Every card. One plan. A debt-free date.
Minimums move every month. Croft keeps every card and loan in one plan, puts extra money on the highest-interest debt first, and shows the date you're debt-free, without a spreadsheet to update.
Three or more cards, a loan or two, and a different minimum on each of them every month.
14 days free, then less than 40¢ a day ($11.99 billed monthly). Card required. Cancel anytime.
What Croft does for you
A real debt-free date
Every card and loan in one plan, with the date the last one is paid off and the interest you're on track to pay.
One payoff order
Extra money goes to your highest-interest debt first, so more of each payment goes to the balance instead of interest.
Minimums that keep up
Croft reads each card's minimum payment from your bank connection when your card issuer reports it, so a new minimum changes the plan, not your evening.
Why Croft exists
“I was doing it on a spreadsheet, trying to track changing minimums, and projecting my balance forward all the time just to know how much I had available at any point.”
Questions people ask
How does Croft decide which card to pay first?
Every minimum gets paid. Extra money goes to the debt with the highest interest rate first, so more of each payment goes to the balance instead of interest.
Where do my minimum payments come from?
From your bank connection through Plaid, when your card issuer reports the minimum. When a card doesn't report one, Croft uses a conservative estimate until it does.
How does Croft know what's safe to pay?
Croft lines up the bills and minimum payments coming out of your checking, keeps a cushion, and looks ahead day by day for the lowest your balance will get. Only money above that low point and the cushion counts as safe to put toward debt. It works this out again whenever your balances, bills or plan change.
How does Croft work out my debt-free date?
It plays your plan forward: your paychecks, your bills, every minimum, interest on each balance, and the extra money going to debt. The date the last balance reaches zero is your debt-free date.
Does Croft move my money?
No. Croft connects to your bank through Plaid to read balances and transactions. It can't move money out of your bank or make payments from your accounts. When Croft suggests a payment, you make it yourself at your bank or card issuer.
Is there a free trial?
Yes. Creating your account and setting up cost nothing. Your 14-day free trial starts when you add a card, just before your plan. After that, it's less than 40¢ a day: $11.99 billed monthly, or $89 a year.
You're not bad with money. You're busy.
14 days free, then less than 40¢ a day ($11.99 billed monthly). Card required. Cancel anytime.
New to Croft? Read what Croft is and how it handles your data.