Enter your loans and cards once and Today stops the guesswork about what to pay first: it ranks each debt by what it actually costs you, points every spare dollar at the most expensive balance, and keeps your estimated payoff date honest — re-projected after every payment and every statement you import.
Sort your debts by balance and you pay the most expensive one last: a 22.9% card keeps compounding while a small 4% loan gets cleared first. The cheapest-looking order can cost you hundreds extra and push your payoff months later — the only honest order starts with what each debt costs you per month.
A card at 22.9% APR outranks a card at 14.9%, and both outrank the 8% loan — Today sorts by what each balance truly charges you per month, so the money you free up always hits the debt that costs the most.
Add the $75 you can spare this month, or a one-off bonus in June, and Today shows exactly which balance absorbs it and how many months that single decision shaves off your plan.
Extra payment, missed month, a fresh statement imported — Today re-projects the date every time, so your estimated payoff date is always what the numbers say today, not a promise made back in January.
Prefer early wins? Snowball clears the smallest balance first. Prefer the maths? Avalanche keeps the highest rate first. Flip any month — the order, the dates and the extra-payment targets update instantly.
Tax refund, holiday bonus, a big invoice that finally clears — log it once and Today proposes a one-off overpayment on the most expensive balance, then shows the payoff date jumping forward.
Short pay period, surprise bill, an income dip — Today lowers the suggested extra to zero without a lecture, re-paces the timeline, and picks the plan back up when you can.
The balances are yours to enter once; the order, the dates and the extra-payment suggestions adapt to the month Today learns you actually have.
A 22.9% APR card, a 14.9% store card and a fixed student loan. By balance the loan looked biggest; by cost the 22.9% card was bleeding the most. Today ordered it first, and the $150 freed from a cancelled gym plan went straight at it.
Four balances between $400 and $4,800 felt overwhelming, so Maria started in snowball mode to bank the small wins. Three months in, the first card is clear and the $95 minimum she used to pay now rides onto the next balance.
A freelance designer whose invoices land unevenly. In lean months Today suggests paying only the minimums, without the guilt trip; in good months it proposes a one-off overpayment on the highest-rate balance and shows exactly how far the date jumps.
When the last balance cleared, Today didn't go quiet — it asked whether the old monthly payment should become a savings goal instead, and suggested the payday amount to put aside. One yes, and the money has a new job before it can drift.
Loan and card balances, interest rates, minimum payments and due dates — from a statement export you import, or numbers you type once. Two minutes, and any entry can be edited or removed later.
It ranks each debt by what it actually costs you, projects the payoff date under your current plan, and shows the extra needed each month to clear everything by a date you would pick.
Log a payment, import a fresh statement, add a bonus — the order, the dates and the next 'spare money goes here' suggestion all recompute on the spot.
| Capability | Today | Banking app | Your own spreadsheet | ChatGPT |
|---|---|---|---|---|
| Ranks debts by true cost, not balance order | Partial | Partial | Partial | |
| Re-projects the payoff date after every payment | Partial | |||
| Points spare cash at the most expensive debt | Partial | |||
| Snowball and avalanche switchable without losing history | Partial | Partial | ||
| Keeps going through a lean month without pressure | ||||
| Memory you can read, edit and delete | Partial |
Today organises your money and your plans. It is not a bank, broker or financial adviser — for investment and tax decisions, talk to a licensed professional.
Both are valid and the right one depends on what keeps you going. Clearing the smallest balance first (snowball) creates early wins; paying the highest rate first (avalanche) saves the most interest. Today defaults to real cost, but you can switch modes any month and the order, the dates and the extra-payment targets update instantly.
No. Today never connects to your bank or cards and never moves money. It shows the order and the amounts; every overpayment happens in your own banking app, only when you act. Nothing is scheduled and there is no link to revoke later.
Start with what you can genuinely spare after bills and a small buffer — even $25 a month moves the date. Today shows the payoff date at your current extra and at a slightly higher one, so you can see the trade-off before deciding. On a genuinely tight month, the suggested extra is zero.
From the balances, rates, minimums and due dates you entered, plus the extra payments you actually log. Each month Today re-projects: it compounds the remaining balances at their rates and shows when the last one clears under your current plan.
Yes, any time. Snowball and avalanche are just two orderings of the same plan — switching keeps your history, your payments and your dates, and simply re-sorts which balance gets the next spare dollar.
No. Today is an organisation assistant for your money: it structures a payoff plan you can follow. It is not a bank, broker or financial adviser, and it won't recommend consolidating, refinancing or investing — for those decisions, talk to a licensed professional.
Today ranks your loans and card by what they actually cost, points every spare dollar at the top one, and keeps the payoff date honest. Free to use on iPhone, Android, macOS and the web.
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