A Closer Look
Every screen designed to give you clarity on what your debt is really costing you.
Know the true cost of every credit card purchase
Credit card interest is designed to be invisible. Your statement shows a balance, but never tells you that the $500 dinner you charged in February has been quietly compounding for eight months. PayDown changes that — it shows you exactly what every purchase has cost you, down to the cent, and maps a clear path to paying it off.
Join our early access list — no spam, just a launch notification.
Credit cards compound interest daily. Minimum payments barely cover the interest charge itself, leaving your principal almost untouched. Most people never know what a $500 purchase really cost them after 18 months of carrying a balance — because no one ever shows them.
PayDown's True Cost Engine uses FIFO allocation and day-by-day balance tracking to show exactly how much interest each individual purchase has accumulated. Not an estimate — the actual math, applied to your real statement history.
See which purchases to prioritize, track your payoff progress month by month, and celebrate every milestone with us. Knowing where your money is going is the first step to sending it somewhere better.
Everything you need to understand and eliminate your credit card debt.
Proprietary FIFO interest allocation. See the full cost of every purchase, not just your statement balance.
Connect all your credit cards in one place. Track balances, APRs, and payoff progress across every account.
Auto-detects CSV exports from Chase, Amex, Capital One, Discover, and Citi. Import in seconds.
Optional live bank connection via Plaid for automatic transaction sync and real-time balance updates.
Visual charts showing your monthly interest cost and balance trends. Watch your debt shrink.
Biometric login, TOTP two-factor authentication. Your financial data is never sold or shared.
Opt in to a monthly email powered by AI that summarizes your credit card activity — balances, utilization, months carried, and personalized insights to help you stay on track.
Search across all your credit cards at once by merchant, category, or amount. Find any transaction instantly — no more digging through individual statements.
Share access to your cards with a spouse or partner via a secure invite link. They see your transactions and true costs, and can only change their own goals and notification settings. Revoke access anytime.
Every screen designed to give you clarity on what your debt is really costing you.
Join the early access list and be first through the door at launch.