In Cashflow ▸ Liabilities, a balance is always as of a date.
Record a statement
- Select a debt and choose + on Balance.
- Enter the Balance, Minimum payment and As of date, then Add.
- An older card or loan in Items: open it and choose Make It a Debt….
- The newest balance is current; the clock beside Balance shows earlier ones to edit or delete.
Change what you pay
- Choose + on Payment and Change Payment…, then the amount and starting month. A later month is Planned.
- For a one-time extra, choose Extra Payment….
- For a promotional rate, choose + on APR and enter its rate, Starts and Ends.
- Items and Payments by month follow the year shown.
Plan a payoff
- Choose Plan Payments → for the debt's page.
- Under What if, move Extra each month or choose a Pay off by month, then Set Payment to to keep it.
- Compare shows Minimum only, Current payment and Your plan.
- Total balance over time stacks every debt; choose a kind to show or hide.
- Its menu sets the years shown; Auto stops at 10 if a debt never pays off.
Note: The payoff is an estimate for planning, not a recommendation.
Related
The same article is in the app, under Help. Synced from the Planner repository at bd30077, 2026-11-09.