1. Access the Debts tab, and tap “Edit”. Fill out information about your debts. You may add information about your mortgage credit card and loan. Tap Save. When filling out the settings, it is useful to add information about your current debt balance, its term and rate. However, you may also add initial information, and please remember that in this case you need to specify the date of the first payment for loan and mortgage. Please pay special attention to the buttons, which change measurement units (i.e. you may add data in months or years). Tap “Done” to exit the edit mode.

2. Create your pay-off plan. For doing this, add an extra payment amount, which you can contribute to discharging your liabilities additionally to what you are already paying for your loans. Tap “Calc” and the application will automatically calculate the best pay-off strategy, considering all your loans. Even $ 1 contributed monthly will help you to minimize your overall interest payments, and will decrease your pay-off term.

3. Choose an entry in the list of loans or pay-off plans, and view additional information: payment plan as a list; comparative data about your payments, interests and savings; and your data in a diagram mode.

4. Make notes about payments that you have already paid. Your current payments for your loans are always displayed on a “blue” screen.