Debt Payoff App
Debt follows you. It's in the background of every spending decision. Vaulra does not make it disappear, but it gives you a system to manage it alongside everything else in your budget. Every debt account, every payment, every due date lives inside the same envelope structure you use for groceries and rent.
See everything you owe in one place
Add your credit cards, loans, and other balances. Each one tracks what you owe, your minimum payment, interest rate, and due date. When you log a payment, the balance updates automatically. No separate app. No mental math.
Know if your budget covers your payments
Vaulra creates a dedicated envelope for each debt and links it to what you owe. The coverage indicator shows green, amber, or red depending on whether your allocated amount covers the minimum payment. Designed to show you the gap before the due date, not after.
Payments that happen without thinking about it
Set your monthly payments once. They generate automatically each month, linked to the right debt account. One less thing to configure. Vaulra is designed to notify you before a due date hits, early enough to act.
Key features
Debt accounts with live balance tracking
Automatic debt envelopes with coverage indicator
Recurring payments with due date reminders
Credit card tracking via the "Paid with" field
Payoff progress bar with percentage tracking
Projected payoff date based on your payment schedule
Works alongside your regular budget
Free. No credit card required.