Every payment. One schedule.
A date you'll be done.

Klarna here, Affirm there, a card minimum somewhere else. PayDown puts every BNPL plan and recurring payment on one schedule, then shows the exact date you'll be debt-free — and how much sooner you get there with a few extra dollars.

• Paste a statement, get a plan. AI reads it; deterministic math does the numbers.
• Avalanche vs. snowball — see interest saved and the payoff date move.
• Local-first. Your data lives on your phone, not our servers. No bank logins, ever.