planwithzenHighest interest first
Prioritize the debt with the highest annual percentage rate. This approach typically reduces estimated interest when payment amounts and other assumptions remain consistent.
A practical consumer debt payoff planner for iPhone
Turn separate debts into one clear payoff plan.
Organize credit cards and loans, choose how much you plan to pay, and see estimated payoff dates and interest based on the information you enter.
Coming soon on theApp Store
Explore Payoff Features Self-directed financial planning tools for educational purposes only. Not financial, investment, tax, or legal advice.
One payment, orderedWhen a debt is paid off, its payment moves to the next one.
Three ways to compareMomentum shows highest interest, smallest balance, and largest balance side by side.
Entered onceBalances, rates, and minimums carry into your budget and net worth.
A plan you can understand
See what happens after each debt is paid.
When one debt reaches zero, its planned payment can move to the next debt according to the payoff approach you select. The result is a month-by-month illustration—not a promise of a particular outcome.
Smallest balance first
Prioritize the lowest balance to create earlier payoff milestones. This Momentum approach may help some people stay engaged with the plan.
Largest balance first
Prioritize the largest balance and compare its estimated timeline with the other Momentum approaches.
Consumer debt payoff for real life
One plan instead of several minimum payments.
Paying the minimum on everything keeps each balance alive for years. A payoff plan decides where anything above the minimum goes, and what happens to it when a debt clears.
Put every debt in one place
Credit cards and loans, each with its balance, rate, and minimum payment.
Choose how to order them
Highest interest first on Free. Momentum compares that with smallest and largest balance.
Watch the payment roll forward
When one debt is paid off, its payment moves to the next one in the order.
How consumer debt payoff planning works
Build the plan in three steps.
Add each debt
Enter the current balance, interest rate, minimum payment, and any other requested details.
Choose your payment
Set what you plan to pay each debt, at or above its minimum. The screen adds them up into your monthly total.
Select an approach
Use highest-interest-first with Free or compare three approaches with Momentum.
Important: Estimates assume the balances, rates, payments, fees, and timing entered remain accurate. Actual lender calculations and payoff results may differ.
Consumer debt payoff features
One ordered plan instead of several minimums.
Every debt in one place
- Credit cards, store cards, auto, student and personal loans.
- Balance, interest rate and minimum payment for each.
- Entered once, and used everywhere.
The payment rolls forward
- Choose what you pay each debt, at or above its minimum.
- When one clears, its payment moves to the next.
- The order is yours to choose.
Three ways to order it
- Highest interest rate first on Free.
- Smallest balance first and largest balance first. Momentum
- Compared side by side. Momentum
Dates and interest
- An estimated payoff date for each debt and for the plan.
- Estimated total interest under the approach you chose.
- Recalculated whenever a figure changes.
Simple pricing
Start free. Build Momentum when you’re ready.
Free gives you a complete financial picture and practical plans. Momentum helps you keep those plans current and see how they change over time.
Free
$0
Understand where you stand and build your first plans.
- Track income, expenses, assets, and debts manually.
- Build a budget for this month and next month.
- Create a highest-interest-rate-first consumer debt plan.
- Manage two financial goals.
- View net worth, financial health, and accessible-savings coverage.
- Add four custom categories.
Coming soon on theApp Store
No subscription or bank connection required.
Momentum
$9.99 / month
Work your plans month after month and watch your progress.
- Everything in Free
- Connect eligible financial accounts through Plaid.
- Compare three consumer-debt payoff approaches.
- Build a mortgage-payoff plan.
- Manage up to ten goals and custom categories.
- View six months of financial history and deeper analysis.
Coming soon on theApp Store
Renews monthly until canceled. Manage or cancel through Apple ID settings.
Compare Free and Momentum features
| Capability | Free | Momentum |
|---|---|---|
| Manual financial tracking | ✓ | ✓ |
| Plaid account connections | — | ✓ |
| Monthly budget | 2 months | 6 months |
| Actual-versus-budget comparison | — | ✓ |
| Consumer debt payoff approaches | Highest interest first | 3 approaches |
| Mortgage-payoff plan | — | ✓ |
| Active financial goals | 2 | 10 |
| Custom categories | 4 | 10 |
| Current net worth and health score | ✓ | ✓ |
| Financial history | — | 6 months |
Payoff questions, clearly answered
What to know about the payoff estimates
Does planwithzen make debt payments?
No. planwithzen organizes information and produces educational estimates. It cannot transfer money or make payments.
Which debts belong in this plan?
Credit cards, store cards, auto loans, student loans, and personal loans. Enter each one with its current balance, interest rate, and minimum payment, and the plan orders them for you.
How does the plan connect to my budget?
The plan and the budget use the same figures. Each debt’s minimum payment appears in your budget under its own category, and whatever your plan adds above the minimum appears under Debt payoff, in savings and debt payoff. You enter each amount once.
Is highest-interest-first always best?
It typically produces lower estimated interest when the amounts and assumptions stay the same, but the approach that fits you depends on your circumstances and preferences.
Are payoff dates guaranteed?
No. Dates and interest are estimates based on the information and assumptions entered. Rate changes, fees, new charges, missed payments, or lender calculation methods can change the result.
Coming to iPhone
Plan your debt payoff with the rest of your finances in view.
Order your debts, set a monthly payment, and see how the plan connects to your budget, financial goals, and net worth.
Coming soon on theApp Store
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A clearer path through consumer debt.
planwithzen is coming soon to iPhone.