PAYDOWN

Add a card

Balances and rates are yours to set. Flip a card between a promo and full interest whenever the offer changes — the ranking follows.

Card name

Last 4 Issuer

Balance Credit limit (optional) Only used to show how much of the line you're using. Keeping this low is what keeps the 0% offers coming. This card is

APR The rate this card charges right now. Change it any time it moves.

Minimum payment Due day

Opened (year) Purpose

Interest paid so far (optional) Only if you know it from past statements. Leave blank and the retirement seal will say "recorded," never "lifetime."

Record payment

Amount actually paid Pre-filled with the recommendation. Change it to whatever you actually sent.

Bills this cycle

Your household outflows for the month — rent or mortgage, utilities, insurance, tuition, subscriptions. This total is protected before any cash goes to debt. Edit an amount the moment it changes; switch a bill off for a month it isn't due.

Total this cycle$0

These carry month to month. The total flows straight into Decide as your protected household obligations.

Cash on hand

The accounts you actually spend from. Update a balance whenever it changes; switch one off to leave it out of this month's math. The total becomes your cash available to allocate.

Total cash$0

This replaces typing one lump number \u2014 the total flows straight into Decide.

Model a transfer

Fee % Term (months)

Reverts to APR What this new promo snaps to if it isn't cleared or transferred again by its own end date.