Mobile-First debt payoff planner
Know exactly whatdebt to pay next.
SpendCaddie is a debt planning app that tells you what to pay, how much to pay, and when across cards and loans, with explainable math and a real next action.
Free gives you full manual debt planning. Pro adds linked debt accounts, automated risk tracking, AI explanations, exports, and email support.
Do This Next
Open one plan, see one ranked next action, and stop second-guessing every payment.
Cards And Loans In One Plan
Build one debt payoff plan across cards, loans, and HELOCs instead of juggling separate systems.
Promo Risk Stays Visible
Keep 0% APR and deferred-interest balances in view before a cheap balance turns expensive.
Log Payments And Recompute
Record what you actually paid and watch the plan update instead of rebuilding a spreadsheet.
Why This Exists
Better than a spreadsheet when debt decisions get messy.
SpendCaddie is built for people juggling multiple balances, promo deadlines, and payoff tradeoffs. It is not a generic budgeting app, not a rewards app, and not a black-box AI finance tool.
The product is strongest when the wrong move actually costs money: a deferred-interest deadline, a card-heavy payoff plan, or a mixed debt portfolio where logging one real payment should update the next move.
Free Vs Pro
Manual planning is free. Linked debt intelligence is Pro.
Free
Full manual debt planning
- Up to 5 manual debts
- Manual debt plan generation
- Snowball vs avalanche comparison
- Custom payoff order
- Manual payment logging and recompute
Pro
Linked debt intelligence
$9.99
or $99.99/year
- Linked debt accounts
- Automated promo and deferred-interest tracking
- AI explanations and risk summaries
- Exports and richer history
- Email support
Honest Comparisons
See where SpendCaddie is stronger, and where other tools still win.
SpendCaddie vs Spreadsheet
Spreadsheets are flexible and cheap. SpendCaddie is for the moment when maintaining payoff math, payment logs, and promo deadlines becomes the job.
SpendCaddie vs YNAB
YNAB is a strong budgeting system with official debt tools. SpendCaddie is narrower: it starts from the debt payoff decision and keeps the primary surface on Plan.
SpendCaddie vs Undebt.it
Undebt.it is a deep, low-cost debt payoff planner with many methods, exports, payment history, and AI plan explanation. SpendCaddie is positioned around a narrower Plan-first debt action workflow.
SpendCaddie vs Debt Payoff Planner
Debt Payoff Planner is a simple, affordable app with strategies, schedules, progress, payment tracking, and promo APR support. SpendCaddie is for users who want a narrower Plan-first coach for mixed debt and risk visibility.