Frequently asked questions

Yes. The core planner — avalanche & snowball strategies, your debt-free date, the payoff chart, payment tracking, and up to 3 debts — is free forever, no card required. Ledger Pro unlocks unlimited debts, the full amortization schedule, and CSV export.

No. You enter your debts manually — there's no bank linking and no screen-scraping. You stay in control of exactly what Ledger knows.

In a secure database, isolated per account so only you can see your debts and payments. We never sell or share it, and you can export or permanently delete everything from Settings at any time.

Avalanche attacks your highest-interest debt first, which saves the most money. Snowball clears your smallest balance first for a quick, motivating win. Ledger shows both so you can decide with your eyes open.

Absolutely. Downgrade whenever you like from Settings — your data stays intact on the free plan.