Read-only access
SLATE cannot move money or initiate payments.
The tools your bank never gave you.
Knowyourrealdebtcostinunder4minutes.
SLATE shows monthly interest burn, true transaction cost, and your debt-free date in one view.
Read-only Plaid connections. No money movement. No ad-data selling.
Bank-level encryption•Plaid-powered read-only access
Interest saved
$199.65
Debt-free date
Nov 2026
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.”
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.
DEBT PAYOFF ENGINE
Get a debt-free date
you can act on.
Pick Snowball or Avalanche and see timeline impact instantly.
SLATE converts “pay more” advice into a monthly plan with a specific finish date.
- •Interactive extra-payment scenarios
- •Compare Snowball vs Avalanche in one view
- •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 REALITY CHECK
Compare rewards earned
vs. interest paid.
SLATE helps users verify whether rewards are actually creating value while carrying balances.
The goal is better decisions, not guilt.
- •Rewards earned vs interest paid in one card
- •Net-positive vs net-negative visibility
- •Pro insight prompts for next steps
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.
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
- Monthly interest cost visibility
- Up to 3 card connections
- One payoff strategy
- True-cost transaction tags
- 5 AI Coach prompts per month
$0 / forever
Get My Debt-Free DateMost popular
SLATE Pro
Full insight layer for active payoff acceleration.
- Unlimited card connections
- Snowball + Avalanche comparison
- Interest Reality report
- Cashback Reality Check
- Spending DNA insights
- 30 AI Coach prompts per month
- Weekly insight generation
- Unlimited spend rules
$5.99 / month
$57.50 / year Save ~20%
Start 7-Day Free TrialRisk reversal:
- • No credit card required for Free.
- • 7-day trial before Pro billing.
- • Cancel anytime in App Store subscriptions.
- • Read-only account access; cannot move money.
Questions before you start?
Clear terms, no hidden mechanics, and control over your data from day one.
- Is there a free trial?
- Yes. New Pro users get 7 days to test payoff workflows. Cancel before renewal to avoid charges.
- 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.
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.
Available on iOS now. Android waitlist open.
People use SLATE because it is clear.
Review themes from early App Store feedback: speed to understanding, lower anxiety, and better monthly decisions.