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Debt payoff

A payoff plan with a real debt-free date

Preso reads your loan and credit card balances from your linked accounts, then amortizes every payment under the order and extra amount you pick — so the debt-free date comes from your actual balances and rates.

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Private beta · Access by invitation · Bank connections are read-only

Three orders, side by side

Avalanche pays the highest rate first, snowball clears the smallest balance first, or set your own order. Each is compared against paying minimums only.

See what extra payments buy

Add any extra monthly amount and watch the debt-free date move. Preso shows the months saved and the interest saved against minimums only.

Built from your real balances

Balances, rates, and minimums come from your linked loans and cards — not numbers you retype. Every payment is amortized, so the schedule is the real one.

How it works

  1. 1

    Link your accounts — Preso finds your loans and credit cards.

  2. 2

    Pick an order: avalanche, snowball, or one you set yourself.

  3. 3

    Add any extra monthly amount and compare it against minimums only.

Frequently asked questions

How does the debt payoff planner work?

Choose avalanche (highest rate first), snowball (smallest balance first), or a custom order, plus any extra monthly amount. Preso amortizes every payment and shows your debt-free date, interest saved, and how many months sooner you finish.

Which is better, avalanche or snowball?

Preso does not pick for you. Avalanche pays the least total interest because it targets the highest rate first; snowball closes individual accounts sooner because it targets the smallest balance. Both are shown against minimums only, so you can see the difference in your own numbers.

Does it use my real balances and rates?

Yes — balances, rates, and minimum payments come from your linked loans and credit cards. You can override any detected value if your lender reports something stale, and reset it back to detected anytime.

Does this connect to the rest of my plan?

Yes — the same loan and card balances sit in the net worth projection on the planning page, so paying them down shows up there too.

Explore more of Preso

InvestmentsEvery retirement account in one placeRetirement PlanningYour retirement plan, built from what you actually spendCustom CategoriesMake every transaction land in the right category

See your money clearly in about two minutes

Link your accounts once — Preso does the rest, automatically.

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