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New: the Deferred-Interest Rescue Plan
"No interest if paid in full" is a cliff, not a discount. Miss the date by a dollar and every cent of interest since the purchase is charged at once. Penny has three of these — one she can't currently clear.
Most budgeting apps sort debt by APR, which ranks a 0% promo last right up until it detonates.
New: connect Claude to this data
Add this demo as a connector in Claude and ask about the money in your own words — which bills are due, which 0% promo is about to detonate, what an extra $100 a month would do to the auto loan.
No API key, no paid plan, read-only. It takes about a minute.
Based on upcoming bills, some accounts may not have enough funds.
Travel Fund
Projected to go negative on Sep 7, 2026
Shortfall: $1,360.00
Lowest: -$1,360.00
Checking
$5,362.40
Savings
$8,740.00
Total Assets
$36,102.40
5 accounts
Total Debt
$262,900.00
5 accounts
Net Worth
-$226,797.60
Available Credit
$42,100.00
$1,151.38 in interest is charged retroactively unless these are cleared in time — and your forecast can't cover them all.
HVAC system (24-mo 0% financing)
Cannot clear in timeSummit Rewards Card · Expires Oct 11, 2026 · 45 days left
$658.84
at risk
You can't clear this in time. $658.84 is charged on Oct 11. Clearing it needs $4,500.00/mo; your forecast supports about $1,687.31/mo — short $2,812.69/mo.
Sofa (12-mo 0% financing)
On trackSummit Rewards Card · Expires Mar 10, 2027 · 195 days left
$122.62
at stake if missed
Set aside $100.00/mo and you clear it by Mar 10.
Laptop (18-mo 0% financing)
On trackSummit Rewards Card · Expires Sep 14, 2026 · 18 days left
$369.92
at stake if missed
Pay $900.00 before Sep 14 and you owe no interest.
Tap a day to see what's due and coming in.
No past conversations.
In your own account, connect an AI provider key to ask questions about your finances in natural language.