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The debt planner helps users connect payoff goals to the calendar. A payment plan is only useful if the account can survive the timing.

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Debt account fields

  • Name
  • Debt type
  • Balance
  • APR
  • Minimum payment
  • Due day
  • Linked account
  • Status
  • Notes

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Common debt types

  • Credit card
  • Personal loan
  • Auto loan
  • Student loan
  • Medical debt
  • Other debt

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Payoff planning

CalBudget can compare payment strategies and produce a schedule. Users can export planned debt payments back to the calendar so the payoff plan affects the running balance.

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Inferred debts

The app can infer possible debt accounts from recurring payments and transaction names. Inferred debts should be verified before relying on payoff calculations.

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Calendar-aware debt planning

Debt payments should be reviewed against:
  • Paycheck dates
  • Low-balance days
  • Other fixed bills
  • Upcoming subscriptions
  • Savings transfers
Debt tools are included in Plus and Advisor.
CalBudget can model debt payoff scenarios, but it does not provide financial, legal, or credit advice.