How RealiPlan works

Enter each income source with its amount, how often you get paid — weekly, biweekly, monthly, or irregular — and the next expected pay date. RealiPlan maps it to real calendar dates so your plan knows exactly when money arrives, not just how much.

RealiPlan knows your pay schedule — not just how much you make, but exactly when it arrives.

Add your recurring obligations — rent, utilities, insurance — and then every debt account. For each debt, enter the balance, APR, minimum payment, due date, and any promotional rate with its expiration. Most tools stop at balance and APR. RealiPlan tracks the details that actually affect your plan.

Most tools stop at balance and APR. RealiPlan tracks due dates, promo windows, and minimums.

Compare strategies and review your projected schedule. This example shows a manual payment allocation, not the output of an optimized strategy.

Synthetic example, not a customer result. The $425 card uses 0% APR throughout these four months, with no fees or new charges. Payments of $125, $125 and $175 pay off that balance.

AI can explain the tradeoffs among payoff strategies using the APRs, balances, promotional-rate windows, and due dates you provide. It can also help you review consolidation scenarios and possible next steps.