Authenticated workspace

Open your secure debt payoff workspace.

This app domain is for signed-in planning, payment tracking, billing, and sync. The public calculator, strategy guides, pricing, and trust pages live on the marketing site.

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

Runway

Your runway to debt-free.

Debt-Free Date
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Debt Burndown

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

Build your payoff plan

0%
Follow the guided setup to turn your balances and monthly cash flow into a plan you can maintain.
Monthly review

This month

Total Debt
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Total Interest
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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.
Debt-Free Date
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Months to Payoff
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at current plan
Total Interest
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Strategy Comparison

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

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.

What-If Simulator

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

Track Payments

Each debt is its own bill — check it off as you pay, log the amount, and add a note. Everything saves on the spot and your plan re-adjusts automatically.

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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