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Track debt, plan payments, and compare payoff strategies. Private & offline.
Take control of your debt with LayaWise, a private debt tracker and debt payoff planner designed to help you organize loans, track payments, and build a clearer repayment plan. Manage credit card debt, personal loans, installments, and borrowed money in one place. See how much you owe, when payments are due, and how your debt balances change over time. Choose from multiple debt repayment strategies to decide what to pay first. Use Payment Fund to prepare money for upcoming payments, review your progress, and stay organized without connecting your bank account. Whether you're managing multiple loans or working toward becoming debt-free, LayaWise helps make every payment easier to understand and plan. PLAN YOUR DEBT PAYOFF Add your debts and keep important details organized, including balances, payment amounts, due dates, interest information, and payment schedules. Instead of trying to remember everything yourself, LayaWise helps you see what needs attention and what payments are coming next. CHOOSE A PAYOFF STRATEGY There is no single way to pay off debt. LayaWise includes multiple debt repayment strategies so you can choose an approach that fits your priorities. Explore strategies focused on: • Smaller balances and quick wins • Higher-cost debts • Upcoming due dates • Installment payments • Stress reduction • Balanced debt repayment • One-time payment opportunities Compare your options and create a debt payoff plan that makes sense for you. TRACK EVERY PAYMENT Record payments as you make them and keep a clear history of your progress. See how each payment affects your debt balance and follow your journey over time without relying on spreadsheets or scattered notes. PREPARE FOR UPCOMING PAYMENTS LayaWise helps you look ahead instead of only reacting when a payment is due. Use your Payment Fund to track money you've prepared for debt payments and understand whether your upcoming obligations are covered. See upcoming payments clearly so you can plan before their due dates arrive. UNDERSTAND YOUR PROGRESS Debt can feel overwhelming when you can't see whether you're moving forward. LayaWise gives you simple insights into your balances, payments, and payoff progress so you can see the impact of every step you take. YOUR DEBTS, ORGANIZED Use LayaWise to keep track of: • Credit card balances • Personal loans • Installment debt • Borrowed money • Monthly debt payments • Due dates • Payment schedules • Remaining balances • Payment history Everything stays organized in one debt management app. OFFLINE-FIRST AND PRIVATE Your financial information is personal. LayaWise is designed as an offline-first debt tracker. You don't need to connect your bank account just to organize your debts. No complicated setup. No bank connection required. No account required. Your debt tracking experience stays simple and focused. BUILT FOR REAL DEBT JOURNEYS Paying off debt usually doesn't happen in one big step. It happens through many smaller decisions: recording a payment, preparing for the next due date, choosing which balance to focus on, and continuing even when progress feels slow. LayaWise gives those small steps a place to live. Use it as your debt tracker, loan organizer, payment planner, payoff strategy companion, and progress tracker—all in one simple app. START YOUR DEBT-FREE JOURNEY Add your debts. Understand what you owe. Plan your payments. Choose your strategy. Track your progress. One payment at a time, LayaWise helps you build a clearer path toward becoming debt-free.