What is Croft?
Croft is a web app that plans each paycheck for people paying down credit card and loan debt. It connects to your checking account through Plaid, covers bills and minimum payments first, keeps a cushion, and shows how much is safe to put toward debt right now. Croft is made by Blue Quanta LLC in New Jersey.
What it does
- Read-only bank connection through Plaid. Croft reads balances and transactions; it cannot move money, pay bills or make transfers.
- A live "safe to pay" number: how much you can put toward debt right now without coming up short before your next paycheck. It updates whenever balances, bills or the plan change.
- A paycheck plan: bills and minimum payments come first, a cushion stays in checking, and the extra goes to debt.
- A projected debt-free date and the interest you are on track to pay, plus what would move the date sooner.
- A payoff order across cards and loans: extra payments go to the highest-interest debt first, and promotional rates are taken into account.
- Ask Croft, an in-app AI assistant that answers questions such as "Can I afford it?" or "What's due this week?" from your own forecast. Nothing changes until you confirm it.
Who it's for
- People paying down credit card and loan debt paycheck to paycheck, including people with irregular income.
Croft is built for people whose week is too full to keep a spreadsheet: busy parents, shift workers and people juggling several cards.
What it costs
- 14 days free with a card, then less than 40¢ a day: $11.99 billed monthly, or $89/year. Every feature is included.
- A card is required to start the free trial, after setup and before the plan. It isn't charged until the trial ends, a reminder is emailed before then, and the trial can be cancelled anytime in Settings.
How it connects
Croft connects to your bank through Plaid. You sign in to your bank in Plaid's window, and Croft gets read-only access to your balances and transactions. It plans from those, and it re-plans whenever they change.
Privacy basics
- It doesn't move money. Croft can't make payments or transfers from your accounts; you make each payment yourself.
- It never sees your bank password. You sign in to your bank through Plaid.
- It isn't a bank or a lender, and it isn't financial advice. It's a planning tool.
Read the privacy policy and how Croft keeps your account secure.
Who runs it
Croft is made by Blue Quanta LLC, a company in New Jersey. Questions and privacy or data requests go through the contact form.
Questions people ask
What is Croft?
Croft is a web app that plans each paycheck for people paying down credit card and loan debt. It connects to your checking account through Plaid, covers bills and minimum payments first, keeps a cushion, and shows how much is safe to put toward debt right now. Croft is made by Blue Quanta LLC in New Jersey.
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.
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.
How does Croft connect to my bank?
Through Plaid. You sign in to your bank in Plaid's window, and Croft gets read-only access to balances and transactions. Croft never sees your bank password.
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.
Is Croft financial advice?
No. Croft is a planning tool. It works out a plan from your own numbers, and you decide what to pay.
Who makes Croft?
Croft is made by Blue Quanta LLC, a company in New Jersey. Questions and privacy requests go through the contact form on the site.