Product Roadmap

Compare both strategies side-by-side with your real numbers.

Income and expense timing down to the day, not just monthly totals.

Track 0% APR windows, expiration alerts, and rate-jump impact modeling.

Claude-powered analysis with confidence scores and personalized next steps.

Bulk import your data and export payment schedules to any spreadsheet.

A calculated date based on your real schedule — not a rough estimate.

Invite your partner to view and collaborate on the household plan. Owner and member roles with full RLS.

Native Android app built on React Native / Expo. Full planner, AI recommendations, offline support, push notifications for payment due dates and promo rate expirations.

Native iOS app on the same React Native / Expo codebase. Face ID / Touch ID unlock, Apple push notifications.

Animated, interactive chart showing each debt's balance curve over time. Hover any month for details. No competitor has this.

Save and compare multiple scenarios: extra $200/mo, a lump sum, a raise. See the tradeoffs side by side.

Snowball, avalanche, hybrid, custom order, highest balance, cash flow index, and due date — pick the method that matches your psychology.

Drag and drop your debts into whatever order makes sense for your life. Override the algorithm.

Model one-time windfalls — tax refunds, bonuses, side hustle payouts — and see the instant impact on your payoff date.

Enter a consolidation offer and see the break-even point computed deterministically — exactly when consolidating saves money and when it does not, with the math shown.

Set savings targets alongside debt payoff. See the tradeoff: save $X/mo and your debt-free date shifts by Y months.

Sync payment due dates and milestones to Google Calendar, Apple Calendar, or Outlook.

Email and web push notifications for upcoming paydays, milestones, and promo rate expirations, timed to your pay schedule.

Know your debt-to-income ratio and what it means for mortgage qualification and financial health.

Per-card and overall utilization with target thresholds and improvement tips.

Visual side-by-side of every strategy showing interest saved, payoff date, and monthly payment.

Built for gig workers and freelancers — log what actually lands each paycheck and get a floor/expected/strong debt-free range, deterministically. No debt app handles variable income.

Optional read-only bank connection for auto-importing balances. No write access, ever.

Earn badges for milestones — first debt paid off, payment streaks, $1K paid down. Share your wins.

Automatically increase your monthly debt payment budget by $25, $50, or any amount each month.

Track non-debt recurring bills (utilities, subscriptions, insurance) and identify waste.

Import YNAB transactions and auto-update debt balances. Stop entering numbers twice.

Embeddable widget for your blog or social media showing your progress and countdown. Accountability in public, organic reach for us.

REST API for budgeting app integrations, financial coach platforms, and employer wellness programs.

Install RealiPlan to your home screen and view your plan offline — a progressive web app, no app store needed.

Generate polished PDF debt payoff reports with charts and summaries. Share with your financial advisor.

Guided savings challenge with weekly targets and progress tracking built into your plan.