Payoff timeline you can see A month-by-month schedule from today to debt-free. Move your extra payment up and the date shifts.
Every loan, every card, one payoff plan
AI reads every balance and rate. Shows you the cheapest order to pay them off and the exact month you finish.
The cheapest path out of debt
AI reads every balance, every rate, and every minimum payment. It shows you which card to pay down first, how much you save, and the exact month you're free.
See your plan
See the finish line
A month-by-month schedule from today to debt-free. Drag your extra payment. Watch the date move closer.
Get StartedWhich card should you pay off first?
Chase Sapphire at 24.49%. Paying it first saves you $2,180 over your current plan. The math, not the anxiety.
Run the mathWhich credit card should I pay off first?
Pay off Chase Sapphire first. It's the most expensive card you have.
- Chase Sapphire: $3,240 at 24.49% interest → costs you $66/mo just in interest
- Amex Gold: $1,890 at 18.24% → $29/mo
- Discover: $620 at 16.99% → $9/mo
If you put an extra $400/mo toward Sapphire
- Debt-free: June 2027
- Total interest paid: $1,420
That's $2,180 less in interest than paying only the minimums.
Show me the full payoff schedule
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Four levers that move the finish date
Refinance alerts When a rate drop makes refinancing pencil out, AI runs the break-even math and tells you if it's worth it.
Credit score tracking Your score, what moves it, and the one or two actions that move it most for you.
Two ways to pay it down Knock out the most expensive card first to save the most money. Or knock out the smallest balance first for quick wins. AI shows both, you pick.
Meet Marcus.
Built for this.
Marcus Paying off debt
Crush debt with a structured plan, zero shame, and a clear path from minimum payments to payoff.
Real feedback. See what people say
Saved $2,180
AI showed me Sapphire was costing me $66 a month in interest alone. Paid that one off first, saved $2,180 vs. minimum payments.
David Chen
Software Engineer
Debt-free 2 yrs early
I had 3 cards and a student loan. Money by Checkr gave me a month-by-month schedule. Debt-free in June 2027, two years ahead of my old plan.
Emily Martinez
Nurse Practitioner
+47 credit points
Showed me the two actions that move my score most. Paid down one card, paused a new application. +47 points in six months.
James Wilson
Consultant
Financial intelligence for less than two coffees a month
Money by Checkr Pro
Your complete financial picture.
Early bird · 50% off
$4.99 / month
Billed annually at $59.88
What you get
Questions
& Answers
No. AI only reads your score and report, it never reports, applies, or opens credit on your behalf. Your score is not affected.
As accurate as your balances and interest rates. Real data straight from your lenders, plus your actual minimums. Change the extra amount you can pay and the finish date updates live.
Yes. Federal and private student loans, every major mortgage servicer, HELOCs, auto loans, personal loans, BNPL, and medical debt.
That's when this works best. Multiple cards with different rates, student loans, a car loan, a home equity line. The more moving parts, the more the math beats guessing in your head.
Yes. Bank-level encryption. Read-only access. AI can see your debt but cannot move money, ever.
Make AI worry about your finances
Know what you're owed. Keep what you earn. See your net worth grow