Everything FinPal gives you to get out of debt and stay out: every debt in one place, a plan built around your life, and math that keeps it exact every month. Each one is marked Free or Seed, so you know exactly what you get.
What you are facing, how it feels, how long it has been going on, what you are reaching for. Pick an answer and everything else folds away, so the next question is the only thing in front of you. At the end, FinPal shows you what it can do for your situation, or tells you honestly that it is not the right fit.
Point at the sketch to answer it yourself.Tap an answer to pick it yourself.
Every debt, every month, and the numbers a lender reads, in one place.
The more FinPal sees, the smarter your plan gets. Better paths, more interest saved, and a strategy built around your actual goals.
FinPal maps every month of your repayment in exact detail. Extra payment weeks, rollovers, recurring expenses pulled from MyBudget. Nothing is estimated or averaged. A complete, precise picture of what your financial life looks like every month from today until your last payment.
Today: $19,800 left, debt-free in 30 more months.
Drag across the line to read any month.
A complete picture of your financial health, told through the metrics lenders actually weigh. Credit utilization, debt-to-income, reserves, credit score, all scored against the readiness threshold for your Life Goal, whether that's a home, retirement, debt freedom, or something entirely your own. See where you started, where you stand today, and exactly what's left to close the gap. Progress you can see, measure, and be proud of.
Live par rates refreshed daily from FRED in the US and the Bank of Canada, layered with the exact Loan-Level Price Adjustments banks apply for your credit score and LTV tier. US Conventional, FHA, VA, and USDA side by side with their real DTI ceilings; Canadian insured and uninsured with the mandatory stress test built in. The roadmap turns your gap into three concrete levers (income, down payment, debt) and tells you exactly how much each one needs to move. Stack what-if scenarios and watch the qualification recalculate in real time. Every number auditable: rate source, observed date, your LLPA tier, lender margin assumption.
1 of 4 ready for a mortgage. An illustrative file: $5,200 a month gross, the three debts above.
Your APR, saving rate, debt service ratio, mortgage rate, and revolving balance, anchored against five years of macro data from the Federal Reserve, Bank of Canada, and Statistics Canada. Each card explains what the number means for your specific situation, not in the abstract. Switch between U.S., Canada, or both, and watch the picture update with cited, sourced data refreshed daily.
A single 0-100 read on where you stand across every dimension that matters: saving rate, debt service ratio, blended APR, revolving balance, and mortgage rate. The widget at the top of the Stats tab synthesizes them all into one number, ranks your top strength against your top weakness, and surfaces the single highest-leverage move you can make based on your specific picture. No generic advice, no scoring you against averages that don't apply to you. Just the read.
Turn your finances into clean, shareable PDFs. Save any month of MyBudget as a full statement, every income and expense category grouped exactly the way you built it, with running balances and totals laid out line by line. Or export your debt payoff plan month by month, the complete schedule from today to your last payment. One tap, a polished document, ready for your records, a lender, or just to look back on how far you have come.
From the two methods everyone knows to an engine that counts every day of your plan.
Avalanche pays the highest interest rate first, so you pay the least interest. Snowball clears the smallest balance first, so the wins come early. Both are free forever, with no card and no trial.
Highest rate first.
Every plan in FinPal comes from FinPal Cortex, the branch of FinPal that does the math, written by hand by a banker of eight years trained in quantitative finance. No AI model is involved at any point. FinPal Cortex weighs every order your debts could be paid in, with their real rates and real minimums, and keeps the path that serves your goal best. Here, the one that costs least.
Ask it twice and you get the same answer twice, to the cent. A formula does not guess, and it cannot be talked into a different number.
Illustrative debts with $800 a month toward them. Pale rings mark where a guess could land on each ask.
Avalanche and Snowball are powerful starting points. FinPal Optimized goes further. It analyzes your income, your goals, and your debt profile to build a strategy around who you are and what you are trying to achieve. Not a result thrown at you based on your numbers. A plan genuinely built around you, that adapts as your situation changes.
What FinPal puts first, for this goal:
Not every debt belongs in your active plan. Exclude the ones you are comfortable carrying and focus your extra payments exactly where you want them. Override the suggested order when your instincts say otherwise. FinPal builds the optimal strategy around your choices, not the other way around.
Tap a debt to keep it out of your plan.
Extra payments go to visa card first.
Full credit cards are one of the biggest drags on your credit score. This strategy targets revolving balances first, bringing your debt-to-credit ratio down as fast as possible. The result is a stronger credit profile while you pay down debt, not after. Two wins, one plan.
80% of your card limits in use today.
Paying the cards first brings that to zero by month 19, while the car loan keeps its regular payment.
$212 goes to your debt (the car payment lands five times)
31 days of interest on the card: $163.01
The Precision Engine powers everything in FinPal. It accounts for the details that actually shape your debt: the exact days between statements, months where an extra payment cycle lands, daily interest accrual, and real-time charges added each month so you see exactly what hits your next statement. When the engine is this precise, everything built on top of it is too.
So when a weekly car payment lands five times in a month instead of four, FinPal already knows that month leaves $212 for your debt instead of $300, fifteen months ahead.
Pick any month on the strip to read it.Tap any month on the strip to read it.
Illustrative: $652 left each month before a weekly $88 car payment, and a $6,400 card at 29.99%. The calendar is real.
FinPal maps every month of your repayment in exact detail. Extra payment weeks, rollovers, recurring expenses pulled from MyBudget. Nothing is estimated or averaged. A complete, precise picture of what your financial life looks like every month from today until your last payment.
Month 1: $527 off the balance, $273 interest.
Your budget, your month, your life: when they change, the plan changes with them.
A plan built for today may not be the best plan for tomorrow. Goals change. Timelines shift. Some months are better than expected, some worse. FinPal does not hand you a five-year roadmap and call it done. It continuously analyzes every change to your finances and always checks if a better path has opened up. No static plans. No missed opportunity to save more.
What goes to your debt each month.
Every order re-run. Visa card still goes first.
Your income, your spending habits, your debts, your credit, your strengths and your blind spots, all gathered into one place and read together instead of in scattered pieces. FinPal sees the full picture, finds the handful of moves that take you furthest, and points every dollar at the goal that is truly yours, whether that is a home, retirement, debt freedom, or something only you can name. It learns your habits, catches what is quietly holding you back, and keeps reshaping the plan as your life changes. Not generic advice. Your exact situation, understood and optimized, with the math always shown.
Your repayment order is not just about your debts, it is about where you are headed. Buying a home? FinPal targets your revolving balances first to lift your credit score before you apply for the mortgage. Every goal reshapes the order, so the money you put toward debt is always doing double duty for the life you are building.
When your budget and your debt plan live in separate places, things slip through the cracks. MyBudget connects both. Group expenses into categories and see what things actually cost: your car is not just a loan payment, it is insurance, gas, and maintenance too. MyBudget tracks your real cash flow, accounts for months where an expense hits five times, and feeds your available income directly into your debt strategy. Export any month as a clean PDF statement in a tap. Simple to use. Powerful by design.
Debt payoff is a long game. FinPal makes sure you see and feel each win on the way.
Unlock achievements, hit milestones, and watch your debt-free date get closer with every payment. Set your own goals and celebrate every time you reach one. Track your total interest saved and see how far you have come. Debt payoff is a long game. FinPal makes sure you feel every step forward.
Set reminders for any expense, any timeframe. The week ahead, the next two weeks, the full month, or just the ones that matter most. On your chosen day, you know exactly what leaves your account that week, what your balance will look like, and what you have left to spend. No more forgotten subscriptions or surprise withdrawals. Just full visibility into what is coming, before it arrives.
Once a month, FinPal delivers a one-page summary of what your hard work produced. Interest eliminated, payments made, and how much closer your debt-free date got. Think of it like an investment portfolio report, except the asset is you. A clean record of how your commitment is paying off, month by month.
12 payments of $800, 0 debts paid off, 18 months to go.
Everything tagged Free is free forever, with no card and no trial. Seed unlocks the rest for $7.99 a month.
No card. No trial. No expiry.
Always included
Free uses standard industry calculations. The Precision Engine is part of Seed.
Create my planBilled monthly. Cancel anytime.
Everything in Free, plus
Plus the full feature catalog below, the entire engine in detail.
Go all in