A lender can lock a rate up to 120 days before the maturity.
Take back control.
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.
Included in the free plan
No credit score consulted
Overview
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.
A 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 by balances, not a plain average
Every monthly payment split into principal and interest, month by month
Manual entry accepted: balance, rate, payment — three fields per debt
Finding · not advice
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.
Confidence Very high4 debts · 12 months of history
Repayment plan
Three methods. Yoseri puts figures on all three and picks none.
Avalanche, snowball, minimum: the debate usually settles badly, because nobody puts the three figures on the same page.
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. It costs $38 more.
Card ··0088
$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. The minimum payment is not a repayment plan: it is the amount that lets the debt last.
The cost of credit
The same debt does not have the same shape depending on whether you weigh it in dollars or in interest.
$6,146 of interest over twelve months, or 10.4% of your income. These are exactly the same four debts, in the same starting proportions — and the two bars look nothing alike.
Amortisation
The 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 two columns cross, to within eight dollars.
Renewal
From $842 to $1,410 a month. The gap fits inside 4 points of rate.
Your term ends in October 2027, with an estimated balance at that point of $207,400. Yoseri announces no future rate — these are assumptions, written as such.
Finding · not advice
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.
Confidence HighProjected balance $207,400 · assumptions, not forecasts
Straight questions
What people ask us about debt.
Rates, due dates and gaps in dollars — and, when Yoseri cannot decide, the sentence that says so.
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 one does Yoseri recommend?+
Neither one nor the other, 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.
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.
Every rate, every due date.
What you actually pay back, the order that costs the least, and the date you get out.
The demo runs on test data. No banking credentials are asked for.
Yoseri News
Further reading on this.
Yoseri’s publication unpacks these mechanisms with the maths shown, using worked figures you can redo by hand.
The Breakdown
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. It is the figure your lender looks at first, and the one that decides your room to manoeuvre.
· 1 min The ShortYour $2,400 tax refund cost you $192
A big refund means $200 too much was withheld every month. The money was yours, it slept elsewhere, and meanwhile your card was running at 19.99%.
· 2 min The GlossaryEffective annual rate
Two loans both quote you 19.99%. One costs you 19.99%, the other 22.12%. It all turns on one word you never read: compounding.
· 1 min The BreakdownThe dealer’s 0% is really a loan at 3.25%
You are offered 0% financing, or $2,500 off if you pay another way. That is not a gift against nothing: it is an interest rate, and it can be worked out.
· 5 min The BreakdownConsolidating: $524 less a month, $2,967 more in the end
Consolidating lowers the payment by lengthening the term. The two figures move in opposite directions, and only the second one shows up at the end. Here are both, side by side.
· 5 min The ShortThe “free” skipped payment costs you $58 and two extra months
Skipping a payment does not pause the interest. The principal does not move, the month’s interest is added to it, and the loan restarts higher than it was.
· 2 min The GlossaryLine of credit
Cheaper than a card, except on one point: it has no grace period. Which makes it better for what you carry, and worse for what you pay off in full.
· 1 min