On every monthly payment, 40% goes to interest.
See your debts clearly. Every rate, every due date, the real cost of credit — and the repayment order that costs the least.
Status on August 30, 2026 — Yoseri is not open yet. This page previews a product under construction. The screens show one worked example: every amount on them comes from it, none from a real user. The private beta opens on October 1: join the waiting list.
Four debts, and a single figure that decides everything: $537.
Your bank statement shows $1,342 of monthly payments and stops there. Yoseri cuts that amount in two: $805 actually pays something back, $537 buys the right to have borrowed.
TOTAL OWED
227 440,60 $four active debtsWEIGHTED AVERAGE RATE
2,8 %from 2.49% to 19.99%INTEREST PER MONTH
537 $40% of the paymentFREE IN
2052at the current pace, with nothing extraA debt is not judged by its size. It is judged by its rate.
Your mortgage weighs $211,600 and your card $1,240.60: a ratio of 170 to 1. But the mortgage costs 2.49% and the card 19.99%.
- Weighted average rate 2.8% — weighted by balances, not a plain average
- Every payment split into principal and interest, month by month
- Manual entry accepted: balance, rate, payment, three fields per debt
Your debts
Weighted average rate 2.8%227 440,60 $
$1,342 a month · of which $537 of interest
2.49% · fixed 5 years · $842 a month
211 600 $6.90% · 32 months left · $289 a month
8 400 $5.45% · deferral over · $168 a month
6 200 $19.99% · due on the 28th · $43 minimum
1 240,60 $The 2.8% weighted average rate is true and misleading at once: it is pulled down by the mortgage, which carries 93.0% of the total balance.
The split
$805 of principal · $537 of interestOf the $1,342 paid every month, 40% reduces no balance: $440 of interest on the mortgage, $48 on the car, $28 on the student loan, $21 on the card.
The current year
$9,958 paid back · $6,146 of interestOver twelve months on the current plan: $9,958 of principal repaid, $6,146 of interest paid — $16,104 handed over in all.
The line that skews it
0.5% of the debt · 3.9% of the interestYour card is half a percent of what you owe and close to eight times that weight in interest.
Your card is 0.5% of your debt but 3.4% of the interest you pay — close to seven times its weight. Paying it off first is worth $248 a year, more than any guaranteed return available today.
Three methods. Yoseri puts figures on all three and picks none.
Avalanche, snowball, minimum: the debate has been going forever and usually settles badly, because nobody puts the three figures on the same page.
$1,217 separates the avalanche from the minimum. $38 separates the avalanche from the snowball.
The avalanche attacks the highest rate: 26 months, $1,148 of interest. The snowball attacks the smallest balance: 26 months as well, $1,186.
- All three paths calculated on your real balances and your real rates
- The extra amount is a slider: $200 here, whatever you want at home
- No method is preselected or pushed forward by the interface
Comparison of methods
$200 / month extra| Method | Length | Interest | Gap |
|---|---|---|---|
| Avalanche | 26 months | 1 148 $ | −$1,217 |
| Snowball | 26 months | 1 186 $ | −$1,179 |
| Minimum | 116 months | 2 365 $ | — |
EXTRA
200 $FREE IN
October 2028SAVING
1 217 $“Free” means free of every debt other than the mortgage. The mortgage itself still runs to 2049 in this scenario.
The snowball costs $38 more. It gives a win in six months.
A 26-month plan rarely breaks at month 20. The snowball clears the smallest debt first: the first line disappears in six months, and for many people that is what makes the next twenty bearable.
AVALANCHE
1 148 $26 months · the cheapestSNOWBALL
1 186 $26 months · first win in 6 monthsGAP BETWEEN THE TWO
38 $over 26 months — $1.50 a monthMINIMUM
2 365 $116 months · the default option$946 of interest for $1,240 borrowed.
The minimum — 3.5% of the balance, $43 this month then less — stretches that balance at 19.99% over nine years and eight months, and costs three quarters of the amount a second time.
The same balance, three ways to pay it, a gap of $946.
The minimum payment is not a repayment plan: it is the amount that lets the debt last. Yoseri puts the three paths in a single table, with the length beside the cost, because the length is the part people underestimate most.
- Limit $4,000 · utilisation 31% · minimum required $43
- Cash advance rate: 22.99%, with no grace day
- Annual card fee: $0.00 — checked against twelve months of statements
Card ··0088 · what it costs
19,99 %1 240,60 $
Limit $4,000 · used 31% · minimum $43
| If you pay… | Length | Interest |
|---|---|---|
| The minimum · 3.5% of the balance | 9 years 8 months | 946,00 $ |
| $200 a month | 7 months | 80,00 $ |
| All of it, on the 28th | — | 0,00 $ |
Paying the minimum costs $946 of interest for $1,240 borrowed. It is the worst rate in your portfolio, all lines considered.
$364.20 of fees, $128 of cash back. Net: −$236.20.
Cash back gets celebrated, fees get endured in silence. Your card cost you $236.20 more than it earned you — and that calculation exists on no statement.
CARD INTEREST
248,00 $over twelve monthsATM FEES
72,00 $out-of-network withdrawalsFOREIGN EXCHANGE FEES
44,20 $2.4% on $1,840 outside CADNET AFTER CASH BACK
−$236.20$128.00 of points collectedFive figures that live on page 4 of your terms.
The rate shown on your statement is the purchase rate. There is a second one, higher, that applies the moment you take cash out at an ATM with the card: 22.99%, without a single grace day.
Details · card ··0088
National BankANNUAL RATE
19,99 %on purchasesCASH ADVANCES
22,99 %interest from the withdrawalGRACE DAYS
21 daysif the balance is paid in fullANNUAL FEE
0,00 $checked over twelve monthsThe 21 days are the contractual minimum, counted from the statement on the 3rd. Depending on the date of your purchase, the real window runs from 21 to 51 days.
Utilisation
31% on this card, 14% overallYour three cards add up to $9,000 of limit at 14% utilisation.
Outside CAD
$1,840.00 spent · $44.20 of fees2.4% of conversion fees paid over twelve months.
What it does not see
$100 withdrawn at an ATM this monthYoseri sees the withdrawal and the $6.00 fee that comes with it.
$229,260 borrowed. $69,700 of interest over the term — if the rate stayed at 2.49%.
That is 30% of the principal, paid on top of the principal. That number appears in your mortgage contract, somewhere, once, at signing.
PRINCIPAL BORROWED
229 260 $at signing, October 2022INTEREST OVER THE TERM
≈ $69,70030% of the principal, at a constant rateBALANCE TODAY
211 600 $$842 monthly paymentTIPPING POINT
Mid-2027principal > interest from then onThe tipping point is close: mid-2027.
On your August payment: $402 of principal and $440 of interest. The balance flips around the middle of 2027 — the year the table below crosses its columns, to within eight dollars.
- Every payment split into principal and interest, from the first to the last
- Year-end balance shown beside every line
- Works for the car loan and the student loan with the same columns
Year by year
Mortgage · 2.49%| Year | Principal | Interest | Balance |
|---|---|---|---|
| 2026 | 4 820 $ | 5 284 $ | 211 600 $ |
| 2027 | 5 048 $ | 5 056 $ | 206 552 $ |
| 2028 | 5 288 $ | 4 816 $ | 201 264 $ |
| 2031 | 6 084 $ | 4 020 $ | 183 940 $ |
| 2036 | 7 660 $ | 2 444 $ | 140 180 $ |
| 2049 | 10 020 $ | 84 $ | 0 $ |
2027 is the year the two columns really cross: $5,048 of principal against $5,056 of interest, to within eight dollars.
cout | $946 of interest on a single card. Lay all four out flat.
Free with manual entry, no banking credentials and no card. You see your first statement in four minutes.
$6,146 of interest over twelve months. 10.4% of your income.
$512 a month on average, across all loans. The comparison is never made anywhere else: the interest lives at your bank, the return at your broker, and nobody has an interest in putting the two figures side by side.
INTEREST THIS YEAR
6 146,00 $four credit linesSHARE OF YOUR INCOME
10,4 %$512 a monthSINCE 2022
21 070,00 $of interest paidRATIO SINCE 2022
1,19 $of interest per dollar of principalThe same debt does not have the same shape depending on whether you weigh it in dollars or in interest.
Above, the breakdown of your $227,440.60: the mortgage crushes everything. These are exactly the same four debts, in the same starting proportions.
Share of the balance · $227,440.60
Share of the interest · $6,146.00
The mortgage carries 86% of your interest. The card carries barely more than 1%.
Of $6,146: $5,284 for the mortgage, $486 for the car loan, $296 for the student loan, $80 for the card on the current plan. Seen that way the card looks harmless — and that is exactly the illusion the next table takes apart.
Interest by credit line
over twelve months · on the current plan6 146,00 $
That is 10.4% of your income · $512 a month
The interest curve bends fast on the current plan: the card goes out in 2027, the car and the student loan in 2028, and only the mortgage is left — under $5,000 a year from 2029.
Since 2022
$21,070 of interest · $17,660 of principalFour years of statements added up.
The path
−$1,100 in three yearsFrom $6,146 to under $5,000 a year: the three small debts go out, the mortgage stays.
In 14 months, the heaviest decision of your year.
Your term ends in October 2027, with an estimated balance at that point of $207,400.
END OF TERM
October 2027in 14 monthsESTIMATED BALANCE THEN
207 400 $at the current payment paceONE POINT OF RATE
≈ $120 / monthon this balanceOVER FIVE YEARS
7 080 $for a single pointFrom $803 to $1,067 a month. The gap fits inside 2.6 points of rate.
Yoseri puts figures on four renewal rates and shows the payment beside each. At 3.90%, you pay $39 less than today.
- The scenarios use your projected balance, not today’s balance
- Yoseri announces no future rate: these are assumptions, written as such
- The effect on your what is left this month is recalculated for every assumption
Rate scenarios
Term · October 2027| Rate | Payment | Gap / month | Over 5 years |
|---|---|---|---|
| 3,90 % | 1 094 $ | +252 $ | +15 120 $ |
| 2.49% · current | 842 $ | 0 $ | 0 $ |
| 5,64 % | 1 301 $ | +459 $ | +27 540 $ |
| 6,50 % | 1 410 $ | +568 $ | +34 080 $ |
PAYMENT AT 6.50%
1 410 $against $842 todayLEFT THIS MONTH AT 6.50%
72 $against $640 todayYour 2.49% from 2022 no longer exists: at 5.64%, the payment goes from $842 to $1,301, and what is left of your month melts from $640 to $181. Yoseri puts a figure on every step without saying which is likely.
Your October 2027 renewal weighs more than anything you can fix in your budget: a single point of rate is worth about $120 a month, or more than $7,000 over a five-year term.
Three moves, fourteen months, none of which requires guessing rates.
Nothing can be done about the policy rate. These three moves exist in your contract or in common market practice — each is costed on your own balance.
Shop around three months ahead
A rate can be held 120 days in advanceA lender can lock a rate up to 120 days before the maturity.
Prepay
$5,000 paid in = −$28 / month and −$3,940Your contract allows 15% of the original balance per year with no penalty.
Switch institution
Worth it from 0.25 of a point of differenceA transfer costs between $300 and $1,100 in legal and appraisal fees.
What people ask us about debt.
The answers carry figures from the same data as the rest of the page, and the limits are stated alongside the capabilities.
Why 40% interest if my average rate is 2.8%?
Because they are two different measures. The 2.8% is an annual rate weighted by balances: it describes the price of credit. The 40% describes the make-up of one payment at one moment, and that make-up depends on how old the loan is.
Can Yoseri pay my card on the 28th for me?
No, and it has no technical power to do so. The banking authorisation requested is read-only.
Avalanche or snowball — which does Yoseri recommend?
Neither, and the interface preselects neither. The facts: the avalanche costs $1,148 over 26 months, the snowball $1,186 over 26 months.
Does Yoseri check my credit file?
No. No enquiry is sent to a credit bureau, neither “hard” nor “soft”, and no score is shown — not even a homemade estimate.
Where do the plan’s extra $200 come from?
From your savings rule, the “investments” pocket. Yoseri says so explicitly rather than making $200 appear out of nowhere: that amount is already allocated elsewhere, and reallocating it to repayment is a trade-off, not a gain.
Does Yoseri know my renewal rate?
No, nobody does: your term ends in October 2027. The three lines in the table — 3.90%, 5.64% and 6.50% — are assumptions, written as such in the app.
Are the plan, the amortisation and the renewal free?
Yes. What syncing adds is the automatic update of balances and the reconciliation with the interest you actually paid — $6,146 over twelve months.
Further reading on this.
Yoseri’s publication unpacks these mechanisms with the maths shown, using worked figures you can redo by hand.
Avalanche or snowball: the cheaper one is not the one you keep
Two methods, $38 apart over two years. The more rational one often loses to the one that gives an early win. Here are both calculations, side by side.
· 5 min The ShortPaying the minimum: $946 of interest on $1,240 borrowed
The minimum payment is not a convenience, it is a price. On a $1,240 balance at 19.99% it costs three quarters of the sum borrowed, on top of it.
· 2 min The GlossaryHousing ratio
The share of your income that goes on housing. The figure lenders look at first, and the one that decides your room to manoeuvre.
· 1 minKeep looking around
The plan’s $200 comes from there: $800 per payday, three pockets, and a 2.0-month cushion.
See savings InvestmentsThe other side of the trade-off: 12.6% last year, with no guarantee, and fees you can see.
See investments PlanningA payment of $1,067 instead of $842: what that does to the rest, scenario by scenario.
See planningLay your debts out flat. Once and for all.
Three fields per debt — balance, rate, payment. The dated plan, the amortisation through to 2049 and the renewal scenarios come out of the arithmetic, not out of an estimate.
Yoseri never checks your credit file, recommends no product and moves no dollar. Read-only, always.