Debt tracking that knows the difference between
principal and interest.
Every mortgage payment, car payment, and credit card balance — auto-synced, auto-split, and projected to payoff. Free forever.
No trial. No credit card required. Debt tracking is included in the free plan.
Other apps treat debt
like a spreadsheet column.
None of the major budgeting apps model how debt actually works — amortization schedules, interest accrual, real principal paydown. Here's what you're working with.
Manual "tracking" only
Treats debt as manual tracking accounts. You enter your balance by hand each month. There's no auto-split of principal and interest, and no real payoff projections built in.
Payments as expenses
Categorizes debt payments as spending. Correct for cash flow budgeting — useless for understanding actual debt paydown. You never see principal vs. interest.
Great calculators, no sync
Purpose-built payoff calculators with solid snowball and avalanche features — but zero bank sync. You enter everything manually, and projections drift the moment real life diverges from the plan.
Debt is a first-class
envelope.
Debt is a first-class envelope
An envelope balance represents current principal owed — not a running expense total. As you pay down debt, your net worth updates automatically. You always know exactly where you stand.
Auto-split on every payment
Plaid posts a $1,500 mortgage payment → LazeeFish splits it: $412 principal, $952 interest, $500 escrow. Instantly. Based on your current balance and APR — no manual math, no spreadsheet.
Live snowball/avalanche projections
Change your extra payment amount with a slider. See the exact month you'll be debt-free update in real time. Computed from your actual current balances — not starting estimates that go stale.
Debt types supported.
From a 30-year mortgage to a personal loan from your parents — LazeeFish handles every debt type, including 0% APR.
From setup to payoff.
In four steps.
Enter debt type, current balance, APR, and monthly payment. Takes about 2 minutes per debt — no account linking required for this step.
Plaid links your checking and credit card accounts in about 2 minutes. LazeeFish can now see your real transactions as they post.
Payments post from your bank and LazeeFish automatically splits them into principal and interest — once per billing period, based on your live balance and APR. Nothing to enter manually.
The debt tracker dashboard shows snowball vs avalanche side-by-side. Drag the extra payment slider. See your debt-free date move in real time — computed from your actual live balances.
LazeeFish wins
every column.
| Feature |
LazeeFish
Free
|
YNAB
$109/yr
|
Monarch
$99.99/yr
|
Debt apps
$4–9/mo
|
|---|---|---|---|---|
| Price | $0 | $109/yr | $99.99/yr | $48–108/yr |
| Bank sync (Plaid) | ✓ | ✓ | ✓ | ✕ |
| Auto-split principal & interest | ✓ | ✕ | ✕ | ✕ |
| Snowball/avalanche projections | ✓ | ✕ | ✕ | ✓ |
| Envelope budgeting | ✓ | ✓ | ✕ | ✕ |
Debt tracker FAQ.
How does LazeeFish track debt?
Each debt (mortgage, car loan, credit card, student loan) gets its own envelope. When your bank payment posts via Plaid, LazeeFish automatically splits it into principal and interest portions based on your current balance and APR. No manual math required.
Does LazeeFish support mortgage tracking?
Yes — including escrow. A mortgage payment auto-splits into principal reduction, interest charge, and escrow. You see the exact principal paydown with every payment. Your net worth updates automatically as the principal balance falls.
What is the snowball vs. avalanche method?
Snowball pays the smallest balance first for psychological wins; avalanche pays the highest APR first for minimum total interest. LazeeFish computes live projections for both against your actual data — not estimates. Use the debt payoff calculator to explore both strategies with your real numbers.
Is the debt tracker free?
Yes. LazeeFish is completely free — no trial, no credit card required. Debt tracking, bank sync, auto-split interest, and snowball/avalanche projections are all included. See pricing.
How does auto-split work for credit cards?
Credit card debt is linked to your CC bank account. Every charge on the card creates a paired transaction on the debt envelope, keeping your outstanding balance live and accurate. Payments reduce the balance immediately when they post from your bank.
The only free budgeting app where debt
is a first-class envelope.
Add your debts, connect your bank, and watch every payment auto-split into principal and interest. Your debt-free date updates in real time.