The money planning tool
you have been waiting for
Debito brings serious money planning and debt payoff to an app that does not charge you a heavy monthly price just to track your expenses. See your month before it happens, including the debts no bank can see.
One line, going the right way
This is the sample plan, run through the same maths the app uses. Keep scrolling and watch it clear.
Still owed
$0$46,200 cleared in 55 months, with $7,001 of interest. Example figures from the sample plan.
Every other money app looks backwards
They connect to your bank and sort what you already spent. Useful, and it cannot tell you about next Tuesday, because you cannot sync the future. Debito is the month before it happens, which is also the only way to count a debt that has no bank behind it.
The month, in the order it happens
A total cannot show you the thing that goes wrong. You can have plenty of income and still be short on a Tuesday, because rent leaves before payday. Debito lays the month out day by day and names the one that's tight.
Running balance, this month
- Mar 1Rent−1,800
- Mar 5Car loan−320
- Mar 7Payday+2,100
- Mar 12Groceries−600
Tightest around Mar 5. $2,120 below where the month started.
Debts your bank cannot see
The $20,000 from your father-in-law at 0%, repaid when you can. Every other app starts at "link your account", and there is no account here, so it never gets counted. Debito treats a person like a lender without inventing an interest rate they never charged.
And the money owed to you
You lent your brother $500. You fronted the flights for Bali. Log who owes what, mark off what comes back, and see how close each person is to square.
Three steps, about a minute
01 / 03- 01
Drop in what you owe
A card, a car, a medical bill, or the two grand from your dad. A balance is enough.
- 02
Say what comes in
Wages, gigs, a fortnightly cheque that lands three times in some months. Real dates, not an average.
- 03
See the month laid out
What lands, what goes out, the day it gets tight, and the date the whole thing clears.
“So how much can I actually pay?”
Put in what you take home and list what has to get paid: rent, groceries, the car, the phone. Debito subtracts your debt payments and shows what is genuinely left, for the month you are actually in rather than an average one.
Then one button sends it at the right debt and your payoff date moves. And if committing it would leave you with nothing spare, Debito says so before you do it.
Left over this month
$1,430
of $5,500 take-home
- Must-pays
- $3,200
- Debt payments
- $870
- Left over
- $1,430
Example figures from the sample plan.
Every debt, bill and payday on one grid. Tap a day to add something to it.
Get your payoff date right now
One balance is enough. This runs the same simulator the app does, so the date you get here is the date you get inside. Nothing is stored and nothing is sent anywhere.
What do you owe?
A balance is enough. No rates, no minimums, nothing stored.
Type a balance to see your payoff date. We'll assume a typical rate for the type, around $100/mo minimum on a $5,000 credit card.
Money owed to you, tracked properly
You lent your brother $1,000 and he has paid back $500. You fronted three things for a trip and four people owe you for different bits of it. Nobody wants to be the person keeping a spreadsheet about their friends, and nobody wants to forget either.
Log it once, tick off what comes back, and Debito works out how close each person is to square, and roughly when if there is a rhythm to go on. No reminders sent, no nagging, no red. It is a number and a date, which is all you need to decide whether to send a text.
See it in the demoFree is not the trial. Free is the product.
Planning your month, tracking every debt and seeing the day it clears costs nothing and always will. Extra is the deeper layer on top — bank linking, the insights, what each debt really costs — and it is what pays for running Debito.
Free account
$0- Unlimited debts and bills
- Money in and money out
- The month, day by day
- Tight-day warnings
- Money owed to you
- Snowball and avalanche
- Full payoff roadmap
- Payoff charts, with the numbers behind them
An email address is all it takes. Use it as much as you like.
Extra
In the worksQuality-of-life on top, for the parts with a real per-person cost behind them:
- Link your bank accounts
- The Debito AI assistant
- The Insights page: spending breakdowns and trends
- What each debt costs you, broken down
- Every change to every debt, kept
On your phone, shortly
Debito for iPhone and Android is being built now. It is the same plan and the same numbers, in an app that opens to your month straight away instead of making you wait for it to load.
- The same plan, synced from the web
- Opens to your month, offline, before it fetches
- Follows your phone theme, light or dark
The web app works on a phone today, and installs to your home screen.
One balance. Start there.
Add one thing you owe and the month starts filling itself in. A free account takes an email address and about ten seconds.