Authenticated workspace

Open your secure debt payoff workspace.

Keep your debts, payment progress, and payoff plan together. Sign in to continue or create an account to get started.

  • Protected cloud sync for your plan
  • Month-by-month payment tracking
  • Payoff plan, what-if scenarios, and Copilot
RUNWAY
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Runway

Your runway to debt-free.

PERSONAL FINANCE / OVERVIEW

Your money, in view.

Two accounts. One less thing to wonder about.

Connected accounts will appear here when available for your account.

Your payoff progress

Accounts & cash flow

Banking

Review activity, manage your register, and plan what’s next.

Connected banking is not available for this account yet.

Review transaction

Save your accounting decision for the cutover. This does not change the register, a schedule, or your payoff plan.

Link a debt payment

Forecast alert settings

Saved to your private account. These alerts appear in Runway when you open or refresh the dashboard.

Negative projected balances always warn, even with a zero low-balance threshold. Unconfirmed income or bills are overdue only after their due date and grace period.

Categories and splits

Type a new category or choose a suggestion. Splits change reporting only. Editing a transaction’s date, description or amount later requires reviewing its categories again.

Correct register entry

Reconcile a statement

Use the closing balance printed on your statement. Select the register entries that appear on it. Outstanding entries carry forward to the next statement.

Entries on this statement

Cleared entries are initially selected. Uncheck any that are not on this statement. Review missing or incorrect transactions in the register before continuing.

Statement reconciliation

Delete schedule?

Scheduled occurrence

Link schedule to Debt Planner

One automatic scheduled match per debt per month. Additional payments can be linked separately from the register. Supports monthly, yearly and one-time expenses. An exact amount, linked bank account, merchant text, and a date within 3 days in the same month must uniquely match. Pending transactions, amount changes and ambiguous matches stay in bank review. Saving links the schedule; it does not mark a payment paid or change the payoff budget.

Unlinking stops future automatic matches and keeps previously recorded payments. Editing a schedule pauses its rule until you approve it again.

Add schedule

Add transaction

Record income, an expense, or a transfer between your accounts. This records bookkeeping only; it does not move money.

Entries start uncleared. When the bank transaction arrives, match it to this entry instead of adding it again. Each side of a transfer can be matched separately. This is a standalone entry; existing schedules remain unchanged.

Undo latest change?

This restores the previous register and review records, including any affected scheduled occurrence or transfer. Undo is refused if newer changes affect those records.
Your path to debt-free

Debt Planner

Track payments, explore scenarios, and follow your payoff plan.

Monthly review

This month

Estimated Debt-Free Date
—

Debt Burndown

Projected total balance over time
Projected balance Actual (tracked)
About 5 minutes

Build your payoff plan

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Follow the guided setup to turn your balances and monthly cash flow into a plan you can maintain.
Total Debt
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Total Interest
—
over the payoff period

Monthly Cash Flow

What's coming in, going out, and going to debt each month.

Milestones

Your payoff journey — each debt knocked out, in order, with the freed-up minimum rolling to the next.

Snapshot

Where each debt stands right now
Guided setup

Create a reliable starting point

Income Sources

Add your recurring deposits
Add each deposit and how often it recurs. The planner maps deposits onto a real calendar so it knows exactly when money arrives going forward.

Monthly Expenses

Add your recurring living costs
List your typical recurring expenses to see how much is realistically left for debt. This is a planning helper — Runway doesn't track your spending month to month.

Monthly Payment Budget

How much to put toward debts each month. Minimums are always covered first; anything extra accelerates payoff.
Using /mo from your Monthly Expenses list above. Edit it there.
Each month pays everything deposited that month minus expenses. Months with an extra paycheck automatically send more to debt.

Debts

Add every debt with its balance, APR, and minimum payment
Add every debt with its balance, APR, and minimum payment.
For % minimums, the "Min payment" field above is used as the dollar floor. Leave intro APR blank for normal debts.

Payoff Strategy

Pick how extra payments are prioritized.
Drag to set payoff priority (top = paid off first):

Extra / One-Off Payments

Drop a lump sum into a specific month — a tax refund, bonus, or windfall. It's applied on top of your normal budget that month.

Plan Timeline

Your month-by-month plan begins here. Change the start month to shift the whole timeline, or start fresh when a month is fully paid.
Start fresh here rolls each debt forward to its current remaining balance, clears past payment tracking, and restarts the plan at the month above — keeping your debts, income, and strategy. Use it after a month is done.
Estimated Debt-Free Date
—
Months to Payoff
—
at current plan
Total Interest
—

Month-by-Month Plan

Click any month to see per-debt allocations and the date-aware payment schedule.
Estimate assumptions: Runway calculates balances from payment amounts, payment dates, and a daily periodic interest rate. Fees, lender-specific rounding, variable rates, and other statement adjustments are not included.
Compare payoff strategies

Strategy Comparison

Same budget, three approaches — from your current balances. The best is highlighted.

What-If Simulator

See how extra money changes your payoff instantly, then apply the scenario to your plan when it works for you.
Estimated Debt-Free Date
—
Time Saved
—
vs your current plan
Interest Saved
—

Side by Side

Current plan vs the what-if scenario.

Target-Date Solver

Pick a debt-free goal and Runway finds the fixed monthly payment that gets you there.

Track Payments

Enter the total paid so far and its payment date. Mark a debt paid when you have finished paying it for this month. Changes save automatically.
Import payments from CSV
Fast update

Import a monthly payment CSV

Update payment amounts and dates in one step. The file is processed in this browser, then confirmed changes sync to your Runway cloud plan.
Accepted columns: debt, month, payment, payment_date, and paid. Debt names must match Runway. Month defaults to the selected tracking month.

Progress vs Plan

How your tracked payoff compares to the original projection.
Calculation check

Plan health & assumptions

See which inputs affect accuracy before relying on the next projection.
AICalculation-grounded guidance

Runway Copilot

Investigate progress, model changes in plain language, find your next best move, ask about your plan, explore expense options, or research refinancing considerations.

Progress Investigator

Understand how payment timing, daily interest, and rounding changed each debt.
Private request
Only the current workspace's calculation summary is sent when you run Copilot. Credentials are never included, responses are not stored as chat history, and Copilot cannot change balances, payments, or cloud data. Simulations remain previews until you choose otherwise.

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