Cashrou
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Features / Plans and goals

Snowball, avalanche, or your own order.

Every card and loan in one plan. Pick the method, see the payoff date, then slide an extra payment in and watch the date move.

Web and iPhone — live Android — coming soon

A debt plan is only useful if it tells you when it ends. Cashrou gives you the date first and the monthly figure second.

Three methods, one switch

Snowball pays the smallest balance first, avalanche the highest rate, custom does whatever you say. Switch between them and compare the dates.

A date, not a vibe

Cashrou projects every remaining payment at your current rate and names the month you finish.

Extra payments, modelled

Add $100 a month and see how many months it removes before you commit a cent to it.

Rolls automatically

Clear one balance and its payment folds into the next debt in the order. That is the whole point of the method, and it happens without you rewriting the plan.

HOW IT WORKS

From nine balances to one plan.

Cards, car loans, student loans, the money you owe a friend. Same plan.

01 Add each debt Balance, rate, minimum payment. Nothing else is required.
02 Choose a method Snowball for momentum, avalanche for the least interest paid. Cashrou shows the difference in months and dollars before you decide.
03 Set what you can pay Minimums plus whatever extra the payday routine says is available. The plan sizes itself to that.
04 Fund it every payday The plan appears in the routine as a single line, so paying it down is one tick rather than nine transfers to remember.

The specifics

Projections assume your current rates and payments hold. Cashrou is a planning tool, not a lender, and it does not make payments on your behalf.

Methods Snowball, avalanche, custom order
Debt types Cards, loans, mortgages, personal IOUs
Projection Payoff month, total interest, months saved
Free calculator Available without an account

Works with

See it against your own numbers.

Seven days free on the web app. $6.99 a month or $49.99 a year after that.