BalancePilot

Build a realistic debt payoff plan, import statements faster, and stay on top of upcoming payments with clearer tracking and smarter guidance.

BalancePilot is a manual debt payoff planner that helps you decide what to pay next, organize upcoming payments, and understand how financial decisions may affect your path toward becoming debt free.

No bank connection is required. You stay in control by entering and updating the information you want BalancePilot to use.

PLAN YOUR DEBT PAYOFF

Track credit cards, auto loans, student loans, medical bills, personal loans, and other debts in one organized place.

• Track balances, APRs, minimum payments, due dates, and statement dates • Monitor credit utilization • Record completed payments • Plan future and recurring payments • Track deferred-interest promotions • View account-level progress and insights

KNOW WHAT NEEDS ATTENTION

BalancePilot reviews the information you enter to help you understand which obligations may need attention first.

• Due and past-due payment alerts • Payday-aware payment planning • Planned Payment and AutoPay tracking • Minimum-payment coverage • Credit utilization guidance • Credit Score Focus planning • Upcoming payment timeline

COMPARE PAYOFF STRATEGIES

Explore different payoff approaches and see how each one may affect your projected debt-free date and total interest.

• Debt Avalanche • Debt Snowball • Smart Hybrid • Accelerated Payoff • Credit Score Focus • Custom payoff ordering • Projected payoff timeline

PLAN AROUND YOUR PAYDAY

Build a realistic plan based on the cash you actually have available.

• Enter available cash • Protect money you do not want used for debt • Identify minimums due before your next payday • See what may be available for extra payoff • Organize payments by payday • Review upcoming obligations before committing extra cash

PREVIEW PURCHASES AND NEW LOANS

Understand how a new purchase or loan could affect your current payoff plan before you commit.

• Preview the impact of a new purchase • Estimate a potential monthly loan payment • Compare multiple loan offers • Review changes to your payoff timeline • Save planned loans before adding them to your active debt • Scan eligible loan documents to help fill in details

IMPORT AND ORGANIZE STATEMENTS

For supported U.S. statements, BalancePilot can help extract account information from eligible statement PDFs.

Depending on the statement, imported details may include:

• Current balance • Minimum payment • Due date • Statement close date • Credit limit • Promotional balances and expiration details

Always verify imported information against the original statement before saving.

STAY ORGANIZED

• Payment calendar • Upcoming financial timeline • Needs Attention alerts • Payoff progress charts • Payment history • Deferred-interest promotion tracking • Exportable payoff summaries

BALANCEPILOT PRO

Upgrade to BalancePilot Pro to unlock advanced tools, including:

• Statement PDF Analyzer • Loan Impact Preview • Compare Loan Offers • Planned Loans • Export Payoff Summary • Premium interface and planning insights

IMPORTANT INFORMATION

BalancePilot is an educational planning tool. It does not connect to your bank, make payments, negotiate with lenders, or provide financial, legal, tax, or credit advice.

Projections and recommendations are estimates based on the information you enter and may not reflect actual lender calculations, interest charges, payment processing, or credit-score changes. Always confirm balances, payment amounts, due dates, promotional terms, and payoff information directly with your lenders.