Coming to iPhone
Your statement shows what you owe. Slate shows what the bank charges for it: every day, on every purchase, until the day it's paid off. Try it with your own numbers, right here.
Your card
Balance
$5,000.00
Each day, the bank charges
$3.42 a day
At this balance and rate, the bank charges about $3.42 a day to hold it. That's about $104.13 every month.
A typical minimum here is $154.13. The bank takes $104.13 of it in interest first.
Example figures. Change them to your card's. Interest is estimated at the APR you enter; a typical minimum here is 1% of the balance plus the month's interest, at least $35.
Built on
Before you connect
Tell Slate what you pay each month and it names the month you're done. Add a little and watch the date come closer. The card's numbers come from the top of the page.
Done by
That's 2 years and 11 months. The bank collects about $2,053.53 in interest on the way.
Slate does this for each card it tracks, from your real statements.
Assumes a fixed APR, interest added monthly on what's left, the same payment every month and no new purchases. An estimate, not financial advice. Once you connect, your statements' figures replace these. How Slate does the math
A statement leads with the balance and the minimum payment. What the balance is costing you appears nowhere on it. Here are three of the numbers it leaves out.
Three screens from the app, on one phone, in the order you'll meet them. One number each. The figures are examples; yours come from your own cards.
What each card costs a day, and the second price on every purchase.
The month you're done, and what a little extra each month does to it.
The interest you've already paid, and the bank's share of each payment shrinking.
Cost
Slate estimates the interest behind each card purchase at that card's own APR. A $64 dinner that rides the balance for a month costs about $65.33.
The Cost screen: a list of recent purchases, each with an estimated second price in cyan. A $64 dinner shows plus $1.33, one month of interest at 24.99% APR.
Free
Plan
Tell Slate what you can pay each month and it names the month the balance is gone. Add a little and the date comes closer, with the interest you keep beside it.
The Plan screen: done by September 2029, 20 months sooner than now, with $1,324.52 of interest the bank doesn't get.
Free
Progress
A balance only shows what's left. Slate adds up the interest each card has already charged, month by month, so the cost stops being invisible and you can watch it fall.
The Interest Reality screen: $1,184.37 paid to the banks in the last 12 months across two cards, with a bar for each month.
Slate Pro: Interest Reality
Your bank's app and a spreadsheet both have their place. Here is what each one shows you, and what Slate adds.
| What it shows | Slate | Your bank's app | A spreadsheet |
|---|---|---|---|
| What the balance costs you per dayA spreadsheet can, if you build the formula. | Yes | No | Partly |
| The second price on each purchase | Yes | No | No |
| Interest you've already paid, per cardYour bank shows it one statement at a time; a spreadsheet, if you type it in. | Yes | Partly | Partly |
| A finish date you can moveSome issuers estimate a payoff for their own card. | Yes | Partly | Partly |
| Cards from different banks, togetherSlate Pro tracks up to 3 cards; the free plan, 1. | Yes | No | Yes |
| Cannot move your moneyA bank's app moves money by design. | Yes | No | Yes |
| Independent of any card issuer | Yes | No | Yes |
Your bank's app is accurate and free for its own cards; keep using it. A spreadsheet can do most of this if you keep it up. Slate does it for each card it tracks, automatically, with the interest priced beside the balance.
Optional. Off by default
The coach answers with arithmetic on your balances, your APRs and your plan, not general advice. It stays off until you turn AI features on, and the app shows exactly what would be shared before you do.
Try it with 3 messages a month on the free plan; Slate Pro has room for 30. AI can make mistakes: check a figure against your statement before you act on it.
Three steps. The first two need no account and no bank, just numbers you already know. The last one asks only for a read-only connection.
Type a card's balance, its APR and what you pay each month. Roughly is fine. No account and no bank connection yet.
Slate names the month the balance is gone and the interest on the way. Add a little each month and watch the date come closer.
Create your account and link your cards through Plaid, read-only. Your bank's figures and your statement replace the ones you typed. Slate can't move money, so there's nothing to verify: no ID, no SSN, no payment method.
Slate is built to look, not touch. This is the whole path your data takes, and what each stop can and cannot do.
Slate is paid for by Slate Pro. No ads in the app, no selling your information for money, and no payments from any bank or card issuer. It takes no side but yours.
Holds your login
Your bank
Reports your card's balance, APRs, statement figures, payments and transactions.
Your username and password stay here. Slate never asks for them.
Makes the connection
Plaid
Signs in to your bank with your permission and passes Slate a read-only copy of your credit card data.
Checking, savings and loan accounts are skipped and never stored.
Does the arithmetic
Slate
Prices the interest, builds your plan and names your date. Encrypted in transit and at rest; each account reaches only its own records.
Cannot make a payment, move money or change anything at your bank.
Optional, off by default
Anthropic
Reached only when you turn AI features on, and only with the fields a feature needs, shown to you before anything is sent.
Not used to train models. Deleted within 30 days.
Your bank login goes to Plaid, not Slate.
Plaid signs in to your bank for you. Slate never receives the username or password.
Slate receives read-only card data.
Balances, APRs, statement figures, payments and transactions, for credit cards only. Checking, savings and loan accounts are skipped and not stored.
Slate cannot start a payment or move money.
There is no payment rail in the product. It reads what your bank reports and does arithmetic on it.
AI is off by default.
Your balances, plan, payoff math and alerts all work without it.
If you turn AI on, you see the exact fields first.
The app lists what each feature sends to Anthropic before anything is sent. Your email, password, bank login and bank tokens are never among them.
Disconnect or delete, any time.
Disconnecting a bank revokes Slate's access at Plaid. Deleting your account removes it right away; backup copies are overwritten within 30 days.
Four formulas make every figure on this page. Each is an estimate until your statement's own numbers replace it, and each says so.
The full method, with the cases where a card's real interest differs from the estimate, is on one page.
The free plan shows what your card costs and names your date, with no payment method. Slate Pro tracks up to 3 cards and keeps your whole history and the coach with you until the balance is gone.
$0
Understand the problem
No payment method needed.
For you if one card is the problem and you want to see it clearly.
Per month, billed yearly: $5.83/moBest value
Stay on top of it, every month, until it's gone
Billed $69.99 once a year.
Per month: $7.99/mo
Stay on top of it, every month, until it's gone
Billed $7.99 monthly, $95.88 over a year.
For you if you carry more than one card, or want the plan to stay with you every month.
Slate Pro, billed yearly
$0.19a day
The card at the top of this page, in interest
$3.42a day
Slate Pro renews automatically unless canceled at least 24 hours before the end of the period. Cancel anytime in your iPhone's Subscriptions settings; you keep Pro until the period ends. If you stop, the free plan stays yours: one card, one payoff plan, 30 days of history and the Total Debt widget. Your other cards stay connected and their history is kept. Billed in US dollars; prices may vary by region. Both plans read your bank; neither can touch it.
A finance app should say who is accountable for your data, in a place you can check. Here it is.
A note from the founderOctober 2026
A credit card statement tells you two things: what you owe, and the least you can pay. It rarely puts the numbers that matter side by side: what the balance costs you each day, and when it will actually be gone.
I built Slate to put those numbers in front of you. It reads your cards, prices the interest in plain dollars, and gives you a date you can move. It won't lecture you, and it can't touch your money.
If a card has ever felt like it was getting away from you, that isn't a character flaw. The numbers that would have warned you were never on the statement.
Slate puts them there.
If you want to tell me what it should do next, write to hello@withslate.co. I read every reply.
Christian Simpore
Founder, Slate Financial, LLC
Something else? Write to hello@withslate.co.
In development for iPhone. The App Store listing goes up when it ships. The calculators on this site use the same arithmetic the app does, so you can try the numbers now. Leave your email and the launch email arrives the day Slate is on the App Store.
Slate connects to your card issuer through Plaid, and you'll see whether yours is listed before you connect anything. Slate reads credit cards only: checking, savings and loan accounts are skipped and not stored. If a card won't connect, you can upload or scan a statement instead. Reading a statement is an AI feature, so it needs AI features turned on, and the whole file is sent to Anthropic to be read, then deleted from Slate's storage once it has been.
A day's cost is the balance times the APR divided by 365. A purchase's second price is one month of interest at the card's APR, an estimate: issuers charge on an average daily balance, a grace period can make it zero, and a card can carry more than one APR. Your date assumes the same payment every month, interest added monthly on what's left, and no new purchases. Once you connect, your statements' own figures replace the estimates. The whole method is on the How Slate calculates page.
Both work, and Slate offers both. Avalanche pays the highest-APR card first and costs the least interest in total. Snowball pays the smallest balance first, so a card reaches zero sooner, which some people find easier to keep up. Slate shows the interest difference between the two for your cards; the choice is yours.
Yes, with Slate Pro. The free plan tracks 1 card. Slate Pro tracks up to 3, from any bank, so each card and its interest is in one place and your plan covers all of them. If a bank has more cards than your plan tracks, you choose which ones Slate follows. The others stay connected and keep their history, but are never counted in a total.
Your bank's app shows what you owe and the minimum due. Slate shows what each balance costs you a day, what every purchase costs at your APR, what you've already paid in interest, and the month you'll be done, across the cards you track. It also takes no money from any bank.
Not yet. Slate is built for iPhone first. If that changes, the launch list is where it will be announced.
Because of what it can't do, and who answers for it. Slate never holds your bank login (Plaid does), it can't move money or make a payment, and you can delete everything in one tap. It is run by a named person and company, Christian Simpore and Slate Financial, LLC, who answer at hello@withslate.co. The security page lists every vendor and data flow, and says plainly what hasn't been independently tested yet.
Your bank data comes through Plaid, and Slate never sees your bank username or password. Your information is encrypted in transit and at rest, each account can reach only its own records, and Slate never sells your information for money. If you allow tracking when iOS asks, Slate tells Meta about a few steps you take, such as signing up or starting a trial, to measure its ads, and never anything about your money. The security page and the privacy policy have the full detail.
No. The connection is read-only. Slate can read balances, statements and transactions. It can't make a payment, move money or change anything at your bank.
No. Connecting through Plaid is a read-only data connection to your card account, not a credit application. Slate doesn't pull your credit report, so there is no inquiry.
Nothing until you turn AI features on, and then only what each feature needs: the coach gets your message and your cards, plan and a summary of your spending; insights and reports get your cards, plan and transactions. The app shows the exact list before anything is sent. Your email, password, bank login and bank tokens are never sent. Anthropic doesn't train on it and deletes it within 30 days.
Yes. Slate Pro members can request one in the app, under Settings, Request My Data. Anyone can ask for a copy, free, by writing to hello@withslate.co from the address on the account; the privacy policy promises a reply within 30 days.
Delete your account in the app, under Settings, Legal & Privacy, and Slate deletes it and everything linked to it right away and disconnects your banks at Plaid. Backup copies are overwritten within 30 days.
Nothing in Slate can touch your accounts, so your cards, balances and payments carry on exactly as before. Your data stays yours: you can ask for a copy at any time, and deletion works the same way whatever happens to the company: your banks are disconnected at Plaid and your records are deleted.
Up to 3 cards instead of 1, all the history your bank provides, more than one payoff plan with a side-by-side comparison, Plan Projection, the payoff coach with room for 30 messages a month, the weekly AI insight and plan read, Spending DNA, Interest Reality, all four widgets and data export. It's $7.99 a month or $69.99 a year, and there's a free trial for eligible new subscribers.
Subscriptions are managed by Apple: open Settings on your iPhone, tap your name, then Subscriptions. Canceling at least 24 hours before the period ends stops the next renewal, and you keep Pro until the period you paid for is over. After that the free plan stays yours: Slate tracks 1 card, and your other cards stay connected with their history kept, so they come back if you return to Pro.
No. Slate provides information and education, not financial, investment, legal, tax or credit counseling advice. Its figures are estimates from the numbers you or your bank provide, and the coach answers with arithmetic, not instructions. For a big decision, talk to a qualified professional.
The calculators on this page are the same arithmetic the app runs. Your real cards are next.
What joining gets you
Today
You're on the list. One confirmation, so you know it worked.
While we build
One short note on what cards really cost. That's the only one.
Launch day
The App Store link. Nothing after that unless you ask.
Every other figure on this page is an example, computed with the same arithmetic the app uses. Cited figures are re-read from their release each time it updates.