Cashflow guides

Debts and Payoff

Statements, payment changes, extra payments, special rates and a debt's payoff plan.

In Cashflow ▸ Liabilities, a balance is always as of a date.

Record a statement

  1. Select a debt and choose + on Balance.
  2. Enter the Balance, Minimum payment and As of date, then Add.
  • An older card or loan in Items: open it and choose Make It a Debt….
  • The newest balance is current; the clock beside Balance shows earlier ones to edit or delete.

Change what you pay

  1. Choose + on Payment and Change Payment…, then the amount and starting month. A later month is Planned.
  2. For a one-time extra, choose Extra Payment….
  3. For a promotional rate, choose + on APR and enter its rate, Starts and Ends.
  • Items and Payments by month follow the year shown.

Plan a payoff

  1. Choose Plan Payments → for the debt's page.
  2. Under What if, move Extra each month or choose a Pay off by month, then Set Payment to to keep it.
  3. Compare shows Minimum only, Current payment and Your plan.
  • Total balance over time stacks every debt; choose a kind to show or hide.
  • Its menu sets the years shown; Auto stops at 10 if a debt never pays off.
Note: The payoff is an estimate for planning, not a recommendation.

The same article is in the app, under Help. Synced from the Planner repository at bd30077, 2026-11-09.