Talk to Alfie

Hey Bubble! 👋 I've been analyzing your budget this month. Your food expenses are up 20% compared to last month, primarily from dining out. Your housing and utilities spending is well within budget, and you've reduced entertainment costs by $50. I've identified a few opportunities to optimize your budget further. Check out my suggestions below, or ask me how you can save more on your everyday expenses.

Alfie • Updated just now

Debt Management

Connected Loans Overview

Credit Card

Due: May 15, 2025
$8,500Balance
18.99%Interest
$250Min. Payment
Current

Student Loan

Due: May 20, 2025
$32,000Balance
5.25%Interest
$350Min. Payment
Current

Mortgage

Due: May 1, 2025
$245,000Balance
3.75%Interest
$1,200Min. Payment
Current

Auto Loan

Due: May 10, 2025
$18,500Balance
4.5%Interest
$375Min. Payment
Current

Total Debt

Across all accounts
$304,000Total Balance
$2,175Min. Monthly Payment

Repayment Strategy Visualizer

Avalanche Method

Focuses on paying off debts with the highest interest rates first, which minimizes the total interest paid over time.

Interest Saved
$12,500
Time to Payoff
48 months
Monthly Payment
$3,675

Interest Optimization Tool

LoanSaver Refinancing Offer

For your Credit Card
Save $2,340
Current Rate
18.99%
New Rate
9.99%
Monthly Savings
$65
Term
36 months

EduFinance Refinancing Offer

For your Student Loan
Save $3,360
Current Rate
5.25%
New Rate
4.25%
Monthly Savings
$28
Term
120 months

Interactive Repayment Modeling

$1,500
$0$3,000
Projected Payoff Timeline
88 months
36 months faster than minimum payments
Total Interest Paid
$97,637
Save $15,000 in interest
Increasing your monthly payment can dramatically reduce your debt payoff timeline and save on interest.

Debt Distribution

Credit Card
Student Loan
Mortgage
Auto Loan

Debt-Free Countdown

88 months until debt-free

Based on your current repayment plan

$304,000
Remaining Debt
0% Complete
Debt-Free Date
August 2032
Monthly Payment
$3,675
Interest Remaining
$97,637

Smart Debt Advisor

Personalized guidance to eliminate your debt faster

Personalized Recommendations

Refinance your credit card debt

Save $65/month with a personal loan at 9.99%

Save $2,340 total

Increase auto loan payment by $100

Pay off 8 months earlier and save $520

Save $520 in interest

Consolidate student loans

Current rates are 1% lower than your existing loan

Save $3,360 total

Predictive Tips

Extra $200/month cuts 7 months off your debt-free timeline

Refinancing your credit card saves $2,340 in interest

Avalanche method saves $2,300 more than Snowball method