PayDown: BNPL Tracker

Every payment. One schedule. A date you'll be done.

PayDown puts your Klarna, Affirm, Afterpay, and every other payment on one schedule and shows the exact date you'll be debt-free.

PASTE OR SPEAK Paste a statement — or just say "I owe Affirm 200 a month, 8 payments left" — and AI fills in the details. No bank login, ever.

ONE SCHEDULE Every BNPL installment, loan, card minimum, and bill: who, how much, and when. Mark payments paid, or let autopay tracking handle it.

YOUR DEBT-FREE DATE A real payoff projection with daily interest math — not a guess. Watch the date move up when you add a few extra dollars a month.

PAY IT OFF FASTER Avalanche vs. snowball, compared in actual dollars of interest saved.

SAFE TO SPEND See what's actually yours between now and payday, after everything due clears.

CAN I AFFORD IT? Gut-check a new pay-in-4 or loan before you commit — see what it does to your debt-free date.

HOME SCREEN WIDGET Your next payment and debt-free date, on your home screen.

PRIVATE BY DESIGN Your data lives on your phone. No bank credentials, no required account, no ads, no selling data.