Choose the debts
Start with the balances and payment details in My Finances. Decide which debts belong in the plan and review the information behind the forecast.
Debt payoff & savings · Ascent Planning
Give your goals
a practical plan.
Turn “pay down debt” or “save more” into steps you can follow.
Build plans around your debts and savings goals, explore repayment options, and follow your progress as you record activity.
Organize your finances with Free. Goal plans and Progression require Ascent Planning.
Debt payoff plans
Explore how you want to repay.
Compare priorities
Explore strategies such as highest interest first or lowest balance first. Review estimated outcomes before choosing the approach that fits your circumstances.
Follow the plan
Review planned payments and recorded progress. Where available, waterfall repayment redirects planned payments after one debt is paid off toward the remaining debts.
Savings goals
See what you’ve saved.
Know what’s left.
Create goals for an emergency fund, a purchase, or another priority. Track recorded contributions and withdrawals against your target.
A contribution moves your recorded progress forward; a withdrawal reduces it. Planned contributions remain forecasts until the activity is recorded.
Fictional example
A $3,000 emergency fund,
one step at a time.
- Target
- $3,000
- Starting savings
- $1,000
- Recorded contribution
- +$250
- Recorded withdrawal
- −$100
- Current saved
- $1,150
- Remaining to target
- $1,850
Illustrative arithmetic, not a customer result or a promise of savings.
Plan with the rest of your finances
Keep timing in view.
Review goal plans alongside expected income and expenses. The Cash Calendar helps you see when an account may run short, so you can reconsider extra payments or contributions.
These tools do not move money or make payments. Payoff dates and interest estimates depend on the information and assumptions in your plan; actual results can differ.
Common questions
Can I have more than one goal?
Yes. You can maintain multiple plans, including debt payoff and savings goals, and review their progress separately.
Does the app automatically transfer money?
No. You remain responsible for payments and transfers. The tools help you plan and track activity.
Is the forecast the same as my recorded progress?
No. Forecasts estimate what may happen. Recorded progress reflects activity entered or recorded in the product. Keep your financial information current when reviewing either.
Your next step
Start with where you are.
Create a free account to organize your financial picture. Choose Ascent Planning when you’re ready to build and follow goal plans.