Xsolvere: Credit card payoff

Pay off credit cards with a plan. Know how much to pay, which card to tackle first, and how much you can safely spend while keeping utilization under control.

Take control of your credit card debt with Xsolvere—a credit card debt tracker and personalized payoff planner designed to help you make smarter payment decisions.

Not sure how much to pay, which card to tackle first, or how much you can safely spend?

Xsolvere gives you a clear plan.

KNOW EXACTLY WHAT TO PAY

Minimum payments can keep you in debt longer.

Xsolvere calculates a recommended monthly payment based on your balance, minimum payment, interest, and payoff goals—helping you make meaningful progress toward reducing your debt.

See how different payment amounts can affect your payoff timeline, interest costs, and progress toward becoming debt-free.

KNOW WHICH CARD TO PAY FIRST

Stop guessing which balance to tackle next.

Xsolvere helps prioritize your credit cards so you can see where to focus your next payment.

Use payoff strategies including:

• Debt Snowball • Personalized payoff recommendations • Priority-based payment guidance

PROTECT YOUR CREDIT UTILIZATION

Your balances can affect your credit utilization.

Xsolvere monitors utilization across your credit cards and makes it easy to understand how much of your available credit you're currently using.

See:

• Current credit utilization • Cards with high utilization • Your target utilization level • How much you can safely spend before reaching your target

KNOW YOUR SAFE SPENDING ZONE

Your available credit isn't necessarily how much you should spend.

Xsolvere calculates your Safe Spending Zone so you can see how much room you have before reaching your target credit utilization.

EVERYTHING IN ONE DASHBOARD

See your credit card debt and payoff progress in one place:

• Total credit card debt • Recommended payments • Monthly minimum payments • Estimated debt-free date • Credit utilization • Priority cards • Safe spending • Next recommended action

PLAN YOUR DEBT-FREE JOURNEY

See how your payment decisions could change:

• Your payoff timeline • Total interest paid • Monthly progress • Potential interest savings

Track your progress as your balances decrease and see your estimated path toward becoming debt-free.

NEVER MISS A PAYMENT

Keep track of upcoming credit card due dates and enable payment reminders to help you stay consistent with your payoff plan.

PERSONALIZED FINANCIAL INSIGHTS

Xsolvere turns your credit card information into clear, actionable insights so you don't have to figure everything out yourself.

Understand what to pay, what to prioritize, and what action to take next.

SECURE SYNC

Your information is securely stored and synchronized so your Xsolvere data stays available across your devices.

XSOLVERE PREMIUM

Unlock additional tools for managing your credit card payoff journey:

• Unlimited credit cards • Personalized payoff plans • Personal Coach • Smart payment recommendations • Utilization monitoring and spending guidance

SUBSCRIPTION INFORMATION

• Payment is charged to your Apple ID account when your purchase is confirmed. • Your subscription automatically renews unless canceled at least 24 hours before the end of the current subscription period. • Your account will be charged for renewal within 24 hours before the end of the current period. • You can manage or cancel your subscription through your Apple Account Settings.

Privacy Policy: https://www.xsolvere.com/privacy

Terms & Conditions: https://www.xsolvere.com/terms

Stop wondering how much to pay.

Build a personalized credit card payoff plan, understand your utilization, make smarter payment decisions, and start working toward becoming debt-free with Xsolvere.