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, and household debt sharing.
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
- Weekly plan refresh
Pro
Linked debt intelligence
$9.99
or $99.99/year
- Linked debt accounts
- Daily plan refresh
- Automated promo and deferred-interest tracking
- Smart recommendation above your committed amount
- AI explanations and risk summaries
Honest Comparisons
See where SpendCaddie is stronger, and where other tools still win.
SpendCaddie vs Spreadsheet
Spreadsheets are flexible and cheap, but they break down when you need a date-specific debt payoff plan that updates after real payments.
SpendCaddie vs YNAB
YNAB is strong for budgeting discipline, but SpendCaddie is built for people whose main job is getting out of debt and avoiding interest mistakes.
SpendCaddie vs Undebt.it
Undebt.it is deep and inexpensive, but SpendCaddie is built to feel more mobile-first, more explainable, and more operational for mixed debt decisions.
SpendCaddie vs Debt Payoff Planner
Debt Payoff Planner is simple and affordable, but SpendCaddie is built for more explainable mixed-debt planning when cards and promo deadlines make the wrong move expensive.