MBA tracks your promotional APR windows, models deferred interest traps, and sequences your payoff so the right balances clear before the clock runs out.
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Most budgeting tools tell you what you owe. MBA tells you what to do next, and when.
Reads directly from your PDF statements. Tracks every 0% window, shows the exact day deferred interest kicks in, and warns you 90 / 60 / 30 days out.
Enter a transfer offer and get net savings, break-even month, and a plain-language recommendation — accounting for the transfer fee and your current APRs.
Avalanche and snowball sequencing that accounts for promo expiry timing, not just APR rank. See total interest for each extra-payment scenario side-by-side.