Triage: Debt Payoff & Budget

First aid for your money. Import any statement, catch every 0% deadline, and test any payoff plan with what-if scenarios. Private by design, end-to-end encrypted.

Triage is first aid for your money. Import your real statements, see every account, debt, and deadline in one place, and follow a clear plan to get ahead. It all runs on your device. No account to create, no servers, no tracking.

IMPORT ANYTHING Drag in CSV, PDF, OFX, or QFX files from your bank, or scan a paper statement with the camera. Triage reads them, routes each transaction to the right account, cleans up messy payee names, and now sorts far more of your spending into the right category automatically. Anything unclear waits in a review queue, so nothing lands twice.

SEE WHERE YOU STAND A dashboard built around the numbers that matter: net worth, cash versus debt, safe-to-spend for the rest of the month, and the one move to make today. Debt by APR shows exactly where interest hurts most.

GET OUT OF DEBT, FASTER Track credit cards, loans, and promotional financing with APRs, due days, and deferred-interest deadlines. Compare avalanche versus snowball, set a target payoff date, and never miss a 0% promo expiration again. Triage watches the dates and warns you before interest hits.

TEST ANY DECISION FIRST The What-If Simulator shows how a single move, a refund, a bonus, an extra payment, changes your debt-free date, total interest, and this month's safe-to-spend, all on one screen, before you commit a dollar.

BUDGETS AND GOALS YOU CAN KEEP Monthly budgets by category, an auto-budget starting point, sinking funds for the big irregular costs, and scheduled transactions so upcoming bills and paychecks are already in the picture.

STAY ON TOP OF SUBSCRIPTIONS Triage surfaces your recurring charges and flags price hikes, so a quiet increase never slips past you.

AI ON YOUR TERMS On-device AI summarizes your month, flags unusual spending, answers questions about your money, and helps categorize transactions. Nothing leaves your device. An optional cloud mode is off by default, uses your own API key with a provider you choose, and strips account, card, routing, IBAN, and Social Security numbers, phone numbers, and transfer names before anything is sent. It also ignores instructions hidden inside your statements. AI output can be wrong and is not financial advice.

PRIVATE BY DESIGN No sign-up, no ads, no analytics, no data collection. Optional iCloud sync is end-to-end encrypted. Lock the app with Face ID. Automatic local backups keep your data yours.

SIMPLE PRICING Free 3-day trial, then a one-time $0.99 unlock. No subscription.

Questions? support@roxykovu.com