OweMake your next payment count.
Small wins. Growing momentum. A clear finish line.
Your debts
Example debts — replace these with your own numbers.
| Debt | Balance | APR | Minimum | Actions |
|---|
Your path to zero
Monthly payment schedule
View month-by-month breakdown
Payment history
Your accounts, in one place.
Import supported debts and keep your payoff plan in step with your statements.
Connected institutions
Refreshes run when you open the app and every five minutes while it stays open. Bank data can be delayed. The last sync time shows when we retrieved data, not when your bank updated it.
Detected payment activity
Possible posted payments from connected debt accounts appear here for review. Bank-synced balances already include these transactions; confirming a payment will not subtract it again.
Your consent and control
Bank access is read-only. You choose which accounts to connect through Plaid. Disconnect an institution whenever you want.
This app receives account balances, debt details, and eligible transaction data. Bank passwords are entered in the connection provider’s flow, never in this app. Connection coverage and available fields vary by institution. Review your APR and minimum payment before using an imported debt in your plan.
Plaid privacy and termsA plan for your progress.
Keep the essentials free. Add bank syncing when you need it.
Your manual payoff toolkit
- Personal debt snowball and avalanche plans
- Up to 100 debts
- Payment tracking and payoff milestones
- Saved progress, CSV exports, and printing
Connected debt tracking
- Everything in Free
- Read-only bank connections through Plaid
- Supported debt balance imports and updates
- Detected payment activity for review
Subscriptions are not activated yet.
Manage membership
Loading your membership…
Stripe handles card details and subscription billing. Your debt payments remain with your lenders.
Your debt-free goal.
Personalize your plan
Each signed-in person has a separate private plan. Never share your sign-in account with customers.
Access is managed through your signed-in ChatGPT account.
About this version
This version is a private pilot. These steps are needed before accepting public customers.
Your data
Export your plan and profile, restore a saved plan, or delete your app data.
Export a backup before deleting your app data. This does not delete your ChatGPT account or records held by your bank, Plaid, or Stripe.