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AvaDebt

Features

Budgeting, savings, and debt payoff in one monthly rhythm.

AvaDebt is built for people who want to understand what came in, what still needs to go out, what should be saved, and which debt deserves attention next.

Monthly command center

See expected income, actual income, planned bills, savings targets, debt minimums, and projected extra payoff room in one place.

Dashboard attention items
Projected vs actual monthly numbers
Current cash-plan warnings
Next debt target guidance

Income and expense tracking

Build a simple monthly plan from real pay schedules and recurring bills, then compare the plan against what actually happened.

Weekly, monthly, twice-monthly, custom, and manual income
Monthly and quarterly expenses
Essential vs flexible spending
Actual paid and received tracking

Debt payoff direction

AvaDebt keeps debt payoff simple by focusing on a snowball-style payoff structure with clear estimates and less setup friction.

Debt type and rate type dropdowns
Minimum-only payoff estimate
Planned extra payment estimate
Estimated interest, time saved, and interest saved

Calendar and reminders

Use the calendar to understand what is expected to happen during the month and which days have income, bills, or debt payments.

Current-month calendar grid
Previous and next month controls
Clickable day details
Income, expense, and debt due-date views

Savings before extra payoff

Protecting savings is part of the payoff plan. AvaDebt estimates extra debt payoff after planned savings, bills, and minimum payments.

Savings percentage rule
Starting savings balance
Saved-this-month tracking
Projected and live payoff room

Import review tools

Imports are designed to support manual tracking, not replace it. Transactions can be reviewed before anything changes your budget.

CSV upload and paste support
Review, ready, and applied statuses
Income, expense, debt, transfer, and ignore categories
Auto-match support from existing budget names

Built for real use

Simple enough to start manually. Strong enough to guide the month.

AvaDebt is intentionally focused. It avoids overwhelming users with finance jargon and keeps the main workflow centered on the next useful action.

Manual input works first

AvaDebt does not need a bank connection to be useful. Users can start by entering income, expenses, debts, and savings manually.

Estimates are clearly framed

Debt payoff numbers are planning estimates, not promises. The app helps users make better monthly decisions with the information they enter.

Demo is sample-only

The demo is available for exploring the app flow with fake data before requesting beta access for real saved budgets.

Explore AvaDebt before requesting access.

Use the demo to click through the dashboard, calendar, debts, imports, savings, history, and settings with sample data.