PAYDOWN

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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 This card is

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

Minimum payment Due day

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.