Read-only access
SLATE cannot move money or initiate payments.
The tools your bank never gave you.
Knowyourrealdebtcostinunder4minutes.
SLATE replaces minimum-payment guilt with a clear number, a realistic plan, and a finish date.
Read-only Plaid connections. No money movement. No ad-data selling.
Bank-level encryption•Plaid-powered read-only access
Interest saved
$1,847/yr
Total Debt Balance
$0
Payoff Aug 2027
Debt Burndown
36% paid
Started at $20,000↓ $7,153 paid
Interest/Mo
$0
Cost/Day
$0.00
Payoff
Aug 2027
Trust and data safety
Plaid connection
Uses Plaid Link with 96%+ U.S. institution coverage.
Data protection
Encryption in transit and at rest. No ad-data sale.
Your control
Disconnect accounts and delete data anytime.
BankrateYahoo! FinanceUSA TodayNasdaqNerdWalletForbes AdvisorBankrateYahoo! FinanceUSA TodayNasdaqNerdWalletForbes Advisor
$6,800+
Average U.S. credit card debt
Household-level benchmark
21.5%
Average U.S. APR
CFPB 2026 reference
7+ years
Payoff at minimums
$7K revolving balance scenario
From account link to a debt-free plan in minutes.
No spreadsheets and no guesswork. Just clear numbers and actionable next steps.
01
Link your accounts
Secure Plaid onboarding usually takes about four minutes for first-time users.
02
See your debt picture
SLATE calculates monthly interest burn, payoff risk, and transaction-level true cost.
03
Pick your payoff plan
Choose Snowball or Avalanche and save a monthly plan with a debt-free date.
Source note: onboarding timing reflects internal product onboarding telemetry.
Most people do not see
the full monthly cost
of revolving debt.
“Average card APRs and minimum-payment timelines can turn small balances into long, expensive payoffs.”
Avg APR today
0.0%
source: CFPB 2026 reference data
A $7K balance
7+ years
at minimums only
Interest paid
$0+
before it's cleared
Most statements optimize for reporting balances, not decision clarity. Users see what they owe, but often not what compounding costs month to month.
SLATE makes those hidden costs visible and then helps users choose a plan they can actually follow.
“Here's what you can see — starting today.”
EVERYTHING IN ONE VIEW
The tools your bank never gave you.
Six ways SLATE turns confusing statements into clear, shame-free decisions.
True Cost Engine
Every purchase has a second, hidden price. SLATE tags each transaction with its APR-adjusted true cost, so you see what carrying a balance really costs.
Smart Payoff Plans
Avalanche, Snowball, or a custom order — plus the Two-Punch split-payment method that trims interest before it accrues.
Cashback Illusion
Your rewards card might cost more than it earns. SLATE nets rewards against interest paid so you know the truth.
AI Coach
A financial coach that never judges. Answers are grounded in your real balances and APRs — not generic finance tips.
Bank-Grade Security
Plaid-secured, read-only connections. SLATE never stores your credentials and can never move your money.
Real-Time Alerts
Payment-due reminders, Two-Punch nudges, milestone celebrations, and APR updates — alerts that actually help.
TRUE COST ENGINE
Know the real price
of every swipe.
SLATE turns hidden interest into a visible line item on every card purchase.
You immediately see what a transaction costs now and what habits cost over a month.
- •APR-adjusted true-cost tags on transactions
- •Category-level monthly interest impact
- •Designed to be clear, not shaming
Users shown true-cost signals are significantly more likely to change at least one spending decision within 30 days.
Source: Internal SLATE onboarding cohort metric
Live dashboard combines total debt, monthly interest burn, and per-day cost in one decision surface.
SMART PAYOFF PLANS
Get a debt-free date
you can act on.
Pick Avalanche, Snowball, or your own order and see the timeline impact instantly.
SLATE converts “pay more” advice into a monthly plan with a specific finish date — and the Two-Punch method splits a payment across your cycle to cut interest before it accrues.
- •Avalanche, Snowball, or a custom payoff order
- •Two-Punch split payments + payment-due reminders
- •Save a plan with clear monthly targets
$50 extra/month on a $7,000 balance at ~22% APR can save years of payoff time.
Source: Model assumptions disclosed in-app
Users can compare strategy outcomes with a concrete debt-free date and monthly plan assumptions.
INTEREST REALITY
See what you already paid,
not just what you owe.
Most tools show current balances only. SLATE also surfaces cumulative interest paid.
That number creates urgency and helps explain where progress was lost.
- •All-time interest totals per card
- •Monthly direction and trend context
- •Simple plain-English framing
$4,820 paid in interest since 2022 can represent a meaningful life tradeoff for users.
Source: Example scenario from product narrative
Interest Reality makes compounding visible with trend context instead of balance-only reporting.
CASHBACK ILLUSION
Your rewards might cost
more than they pay.
SLATE nets the rewards you earn against the interest you pay while carrying a balance — so you can see whether a rewards card is actually working for you.
The goal is better decisions, not guilt.
- •Rewards earned vs. interest paid, per card
- •Net-positive vs. net-negative at a glance
- •Plain-English prompts for your next move
For revolving balances, interest costs can exceed rewards by a wide margin.
Source: Typical APR and rewards-rate comparison
Behavioral context ties spending patterns to debt trajectory for clearer daily tradeoff decisions.
AI COACH
Get debt decisions explained
in plain language.
Ask real questions about your current balances, APRs, and payoff options.
You get specific guidance tied to your numbers, not generic finance tips.
- •Scenario-based payoff guidance
- •Behavioral prompts with context
- •Available in free and Pro tiers
Users report faster plan decisions when answers are grounded in their own debt data.
Source: Early product feedback trend
AI Coach answers payoff questions using user-specific balances and APR context.
Other apps show you data.
SLATE teaches you what to do with it.
| Feature | Other apps | SLATE |
|---|---|---|
| APR-adjusted true cost per transaction | ||
| Interest already paid (not just owed) | ||
| Shame-free, behavior-focused tone | ||
| Exposes the cashback rewards illusion | ||
| Personalized debt-free date with slider |
Built for financial trust, not engagement hacks.
SLATE is designed to help users make informed debt decisions. Your account access is read-only, and your data policy is transparent from onboarding through deletion.
Security controls
TLS in transit, encryption at rest, and secure token practices across infrastructure.
Plaid-powered connectivity
Connections are handled through Plaid Link. SLATE does not receive bank credentials.
Read-only account access
SLATE can view balances and transactions but cannot transfer funds or initiate payments.
Your data, your rules.
You can disconnect linked accounts and request full data deletion at any time. See policy details in our Privacy Policy and Terms of Service.
DEBT CALCULATOR
See what your balance is actually costing you.
No judgment, just math. Adjust your numbers to find your debt-free date and how much you save by paying more than the minimum.
$
%
$
Debt-free in
4 yr 8 mo
Total interest
$3,322
Saved vs. minimum
$5,565
Paying $150/mo clears your balance 14 yr 10 mo sooner and saves $5,565 in interest versus minimum payments.
Pricing that stays transparent.
Start free. Upgrade when you want deeper analysis and higher coaching limits.
Free
See your debt clearly with core tools.
- Total debt dashboard with daily interest cost
- 1 connected bank or card
- Last 30 days of transactions
- One payoff plan (Snowball or Avalanche)
- True-cost tags on every transaction
- 5 AI Coach messages per month
$0 / forever
Get My Debt-Free DateMost popular
SLATE Pro
Full insight layer for active payoff acceleration.
- Unlimited connections + full transaction history
- Snowball + Avalanche plan comparison
- Interest Reality report
- Cashback Illusion analysis
- Spending DNA + Subscription Scanner
- 30 AI Coach messages per month
- Weekly behavioral insights
- Unlimited spend rules + CSV export
$7.99 / month
$69.99 / year Save ~27%
Start SLATE ProThe fine print, up front:
- • No credit card required to start on Free.
- • Cancel anytime in App Store subscriptions.
- • Recurring billing in USD; prices may vary by region.
- • Read-only account access; SLATE cannot move money.
Questions before you start?
Clear terms, no hidden mechanics, and control over your data from day one.
- How much does SLATE cost?
- The core dashboard is free forever. SLATE Pro is $7.99/month or $69.99/year (save ~27%) and unlocks unlimited connections, full history, and the deeper insight tools.
- Can SLATE move money from my accounts?
- No. SLATE is read-only for financial account access. It cannot transfer funds or make payments.
- Do you sell my financial data?
- No. SLATE does not sell personal or financial data to advertisers or data brokers.
- How do I cancel Pro?
- Cancel anytime in your App Store subscriptions panel. Access remains until your billing period ends.
Coming to App Store soon
Be the first to know.
Drop your email and we'll reach out before SLATE goes public.
Free to start · read-only account access
See your monthly debt cost.
Then choose your payoff date.
SLATE gives you clear numbers first, then a plan you can follow. Built for users who want clarity without shame.
See My Debt-Free Date (iOS)
Not on iOS yet? Get notified at launch.
Coming soon to iOS · No spam, one email at launch.
People use SLATE because it is clear.
Review themes from early App Store feedback: speed to understanding, lower anxiety, and better monthly decisions.