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Features

Every number your statement leaves out.

The cost of each purchase, the interest you've already paid, where the money goes and what to cancel. One app, read-only, built around your own cards.

True cost

Free

The second price, on every purchase.

Slate estimates the interest behind each card purchase at that card's own APR. A $64 dinner that rides the balance for a month really costs $65.49.

Recent purchases on Everyday card

27.9% APR
  • Lucia's TrattoriaDining, Sep 26$64.00+$1.49
  • Green MarketGroceries, Sep 25$142.18+$3.31
  • Corner FuelTransport, Sep 24$48.20+$1.12
  • Northwind GoodsShopping, Sep 22$219.99+$5.11

Interest Reality

Slate Pro

What you've already paid the bank.

Every card's interest, month by month, added up. A balance only shows what's left.

You paid the banks, last 12 months

$1,827.28
Everyday card •••• 4417$1,202.10

Subscriptions

Free

Cancel one. Watch the date move.

Slate finds the charges that repeat and shows what each is worth to your payoff. Try it:

4 on Everyday card$64.97/mo

Cancel and send $45.98/mo to your payoff

17 months sooner · $1,068.89 kept from the bank

Measured on Everyday card at 27.9%, paying $150.00 a month. An estimate.

Spending DNA

Slate Pro

Your spending, read back to you.

Where each card's money goes, what it costs to carry, and one move that changes the date.

Everyday card •••• 4417

Small, frequent, after 8 pm

90 days · an example reading

Spent
$3,852.30
138 purchases
Interest
$99.66
from your statement
Subs
$64.97
4 a month

One move

$35 a month less on takeout, sent to this card: 14 months sooner, $897.83 kept from the bank.

Widgets

Free and Pro

Lives on your home screen.

What you owe and what it costs today, without opening the app. Total Debt is free; Slate Pro adds all four.

Weekly insight

Slate Pro

A weekly reading, not a lecture.

Every Monday, a few lines on your own numbers: what changed, what it costs, and whether the date moved.

This week's insight

Week of Sep 28

Dining ran $86.00 above your usual week.

At 27.9%, carrying that $86.00 costs about $2.00 a month. Your plan still lands in April 2028.

Written by AI from your own numbers, and only once you turn AI features on. An example.

Coach · optional, off by default

Ask about your own numbers.

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.

  • 01Try it with 3 messages a month on the free plan; Slate Pro has room for 30.
  • 02Your email, password, bank login and bank tokens are never sent. Anthropic doesn't train on what is, and deletes it within 30 days.
  • 03AI can make mistakes. Check a figure against your statement before you act on it.

See the number your bank never shows you.

Free to download. Slate Pro is optional.