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.
Consumer debt and mortgage payoff planning for iPhone
Plan what you owe, in one place.
Credit cards and loans on one plan, your mortgage on another, and both reflected in the budget you already keep. Payoff dates and interest are estimates 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.
Everything you owe, togetherCredit cards, loans, and your mortgage, each with its own plan.
Dates and interest, estimatedSee when each debt could clear and what getting there costs.
Connected to your budgetMinimum payments and anything above them appear in the month.
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.
How payoff planning works
Two plans, one picture.
Record what you owe
Enter each balance, interest rate, and minimum payment. Your mortgage is recorded the same way, with its own loan details.
Decide what you pay
Set a monthly payment for each consumer debt, at or above its minimum, and test additional principal against your mortgage.
See the effect
Estimated payoff dates and interest for both, and the minimum payments carried into your monthly budget.
Important: Estimates assume the balances, rates, payments, fees, and timing entered remain accurate. Actual lender calculations and payoff results may differ.
Payoff features
Two plans, built on the same records.
Consumer debt payoff
- Credit cards, store cards, auto, student and personal loans.
- Enter each balance, interest rate and minimum payment.
- Set what you plan to pay above the minimum; when one debt clears, its payment moves to the next.
- Highest interest first on Free. Smallest and largest balance as well, compared side by side. Momentum
- Estimated payoff dates and total interest, recalculated as the plan changes.
- Minimum payments appear in your budget; anything above them lands in savings and debt payoff.
Mortgage payoff Momentum
- Enter the balance, interest rate and your principal-and-interest payment.
- Test an extra amount each month, half a payment every fourteen days, or both.
- See the estimated payoff date and remaining interest, with and without the change.
- Years and months taken off the term, priced as a number.
- Your regular payment appears in your budget under Housing.
- Nothing is sent to your lender and no payment is made.
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
What is the difference between the consumer debt plan and the mortgage plan?
The consumer debt plan covers credit cards and loans — and orders them so that when one is paid off, its payment moves to the next. The mortgage plan is a separate page for a single loan, where you test what additional principal would do to the payoff date and interest.
What do I need to enter?
For each consumer debt: the current balance, interest rate, and minimum payment. For a mortgage: the balance, interest rate, principal-and-interest payment, and the other loan details the screen asks for.
Debts you record here are the same debts that appear in your net worth. You enter them once.
How does payoff planning 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.
Your regular mortgage payment appears under Housing, in needs. Additional principal you test on the mortgage page stays there as an estimate and is not added to your budget.
Does planwithzen make payments?
No. planwithzen organizes information and produces educational estimates. It cannot transfer money, make payments, or change your loan.
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 produce different results.
What is included with Free?
Free includes manual debt entry and the highest-interest-rate-first payoff plan, with estimated payoff dates and interest. Momentum adds two further approaches with side-by-side comparison, and the mortgage payoff plan.
Coming to iPhone
Plan what you owe with the rest of your finances in view.
Order your debts, test extra principal against your mortgage, and see both connected to your budget, financial goals, and net worth.
Coming soon on theApp Store
Related planning tools
Each plan on its own page.
A clearer path through consumer debt.
planwithzen is coming soon to iPhone.