ELDE

Your bank tells you the minimum payment. ELDE tells you the truth.

ELDE gives you the clarity your bank never will — exactly how much interest you're paying every single day, when you'll actually be debt free, and what happens if you pay just a little extra each month. No fluff, no guesswork. Just the numbers that matter.

Track every debt in one place Credit cards, student loans, auto loans, personal loans — ELDE handles them all. See your full debt picture at a glance, with real-time balance tracking, payment history, and interest breakdowns your bank's app will never show you.

Know exactly where your money goes Every payment is split into principal and interest so you can see what's actually reducing your debt versus what's lining your lender's pockets. Daily and monthly interest calculations. Payoff timelines. Debt-free dates.

Build a smarter payoff plan Choose the avalanche method (highest interest first), snowball method (smallest balance first), or build a fully custom plan that fits your unique situation. See exactly how much interest you'll save and how many months sooner you'll be free.

Meet Ellie, your AI debt advisor (Pro) Ellie is your personal debt coach — ask her anything about your payoff strategy, get tailored recommendations based on your actual accounts, and stay motivated with guidance that's specific to your situation.

Pro features that go deeper

• What-if scenarios: compare up to 3 payoff strategies side by side
• Variable payment schedules: plan extra payments month by month
• Milestones: track achievements and celebrate your progress
• Unlimited debt accounts

Free to start Track up to 3 debt accounts for free. Upgrade to Pro for unlimited accounts, Ellie AI, and advanced planning tools.

ELDE is a personal finance planning tool. It does not connect to your bank accounts or store financial credentials.

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