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 demoPacked with everything, priced like nothing
The thing we hear most is not about a feature. It is that other tools ask for a subscription before you can log a second debt or a second income stream, and that a tool for people who are short on money should probably not start by asking them for some.
Maya R.
Two jobs, one fortnightly
I get paid fortnightly and my rent is monthly, so some months have three paydays and some have two. Every budgeting app I tried averaged that away and told me I was fine, and then I'd be short on the 12th. Debito lays the days out in order and just points at the one that's going to hurt. First time a money app has told me something I didn't already know.
The month, day by dayDevon O.
Paying down three cards
Other tools wanted a subscription before they would let me log a second debt or a second income stream. I am trying to get out of debt. Charging me monthly to type in what I owe is a joke. This does the whole thing for nothing.
Free where it countsPriya S.
Lent money to family
The loan from my parents was invisible to everything else I tried, because there is no bank account behind it to connect to. Being able to put it in without the app inventing an interest rate my mum is definitely not charging me is the whole reason I stayed.
Money owed to youTom A.
Phone on the train, laptop at home
It is genuinely nice to look at, which sounds like a small thing until you remember what most finance software looks like. It works the same on my phone on the train as it does on the laptop, nothing jumps around while it loads, and dark mode is actually dark. I open it because I want to, not because I'm being nagged.
Built properlyFree 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. There are exactly two things that cost us money per person to run, and those are the two things Extra pays for.
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
- Every chart, with the numbers behind it
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:
- Connect your bank
- The Debito AI assistant
- Deeper insights, spending breakdowns and trends
- Bill and debt history, month over month
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.
Debito is made by one person. I racked up over $50,000 on credit cards and have been working my way out of it since. First in spreadsheets, then in a Canva workbook, both of which I hated. This is the thing I actually wanted to use: no ads, no lead generation, nothing built to make you feel worse about a hard month.
More about why this existsOne 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.