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Croft

Every paycheck, one clear number: what to send to your debt.

Croft plans your bills first, keeps a cushion, then shows how much to put on your highest-interest debt.

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  • Read-only bank connection through Plaid
  • 14 days free, then less than 40¢ a day ($11.99 billed monthly). Card required
Friday's paycheck · $2,480Sample household

Send $420 to your Visa

Highest interest (24.99%), after bills and a cushion

Bills covered
$1,535.00
Cushion kept in checking
$100.00
Safe to spend
$425.00

Debt-free in 2 years 5 months · 7 months sooner

Sample household: the balance falls faster with the plan than with minimum payments only.

Security

  • Read-only · Croft can’t move your money
  • Your bank login goes to Plaid, never to us
  • Bank access encrypted at rest · never sold

How it works

  1. Step 1: Connect

    Link checking, cards and loans through Plaid.

  2. Step 2: Get your plan

    Croft forecasts your bills and works out your debt-free date.

  3. Step 3: Follow each paycheck

    See what to pay, and what's safe to spend.

Why I built Croft

I built Croft because I was tired of doing the same math every payday. I'd try to remember every recurring bill and its date, project it all forward by hand, and then work out how much to pay, and to which card. Pay too much on one, and I'd come up short on the minimums for the others.

Croft does that math for me, every paycheck. It gives me one number: what to send, and where.

John, founder of Croft— John, founder of Croft

Your paycheck plan

Where every dollar of a paycheck goes.

Bills and minimums come out first, a cushion stays in checking, and the extra goes to your highest-interest debt. What’s left is yours to spend. Worked out again every paycheck.

Friday · $2,480 inSample household
Bills and minimums (rent due on the 1st, Discover minimum)
$1,535.00
Cushion kept in checking
$100.00
Extra to Visa (24.99%)
$420.00
Safe to spend
$425.00

Rent $1,450 due on the 1st + Discover minimum $85

Ask Croft

Plain answers about your money.

“Can I afford it?”, “What’s due this week?”, “What if I pay $300 more?” Answers come from your own forecast, and nothing changes until you confirm it.

Sample household

Can I afford a $400 car repair this week?

Yes. Your lowest point this month would be $310 on the 28th, above your $100 cushion. Best day to pay it is Friday, after payday.

  • Cushion $100
  • Lowest day: the 28th
  • Best day: Friday

Paydown

See your projected debt-free date, and what moves it sooner.

Croft plans extra payments to the right debt at the right time, accounts for promo rates, and shows the interest a plan could save.

Projected payoffSample household
  • Visapaid off in 8 months
  • Discoverpaid off in 13 months
  • Car loanpaid off in 29 months

Prefer to estimate first?

Answer a few quick questions and get an estimated debt-free date in about 60 seconds. No bank login.

Get my free estimate

Pricing

Less than 40¢ a day

$11.99 billed monthly · or $89/year

14 days free first. Card required. You won't be charged until your 14 free days end, and we'll remind you before then. Cancel anytime in Settings. Every feature included.

The yearly plan saves $54.88 compared with paying monthly.

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