Credit & Debt Tracker

You open four browser tabs: the credit card with the highest rate, the one with the balance transfer offer expiring next month, the personal loan you refinanced eighteen months ago, and the spreadsheet you started in January that's already two months out of date. You close them all and tell yourself you'll deal with it Tuesday. Tuesday becomes the same thing.

• Analyze your full credit and debt context to identify the highest leverage payoff actions available right now
• Prioritize accounts by interest cost, payoff timeline impact, and momentum effect - not just by balance size
• Sequence repayment steps into a concrete rollout you can begin executing immediately
• Surface hidden costs in your current minimum payment pattern across multiple accounts simultaneously
• Distinguish between accounts worth targeting aggressively and those better left at minimums during the payoff window
• Generate concise guidance scaled to your actual cashflow - not a theoretical budget, your real one

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