Snowball
Pay the smallest balance first. Watch accounts vanish, one at a time. Built for momentum when the math alone won't get you there.
3.2 yrsAvg payoff time
Manual-first · no bank linkingThe math of getting out,
The math of getting out,
kept to yourself.
GuapStax tracks every account, projects your debt-free date, and plans cash flow — without ever asking for a bank password. Just you, your numbers, and a quiet plan.
Per-Account Payoff Timeline
Avalanche · 36 months · $580/mo
Snowball
Avalanche
Minimum
Today
$28,420
in 6 accounts
Debt-Free
Mar 2029
14 months sooner
Interest Saved
$4,180
vs. minimum
What it does
Three numbers, finally honest.
Most apps tell you where your money went. GuapStax tells you where it's going — and when the last payment lands.
Avalanche
Attack the highest APR first. Mathematically optimal. We'll show you the exact interest you'll save versus your current pace.
$4,180Avg interest saved
Cash Flow
Bills, paychecks, subscriptions, balances — laid out across one honest calendar. Know what hits when, and what's actually left after.
+$1,240Avg free cash flow
Honest answers
Things people actually want to know.
Why no bank linking? Isn't that the whole point?
Bank aggregators (Plaid, Yodlee, MX) need your credentials to scrape your accounts. That's a single point of failure for every connected app on top — your debit card, your loans, your 401k. GuapStax keeps the data on your side. You type it in once, and nothing leaves unless you say so.
Is manual entry actually sustainable?
It takes ~10 minutes a month if you have a few accounts. CSV import handles tradeline statements in bulk. The trade-off: a few minutes of attention buys you complete custody of your financial picture, and a payoff plan that's accurate down to the dollar.
What's the difference between Snowball and Avalanche, really?
Snowball pays the smallest balance first — fewer accounts on your back faster, more emotional wins. Avalanche pays the highest APR first — the math says you'll save more money. Both work. GuapStax runs them side-by-side so you can see what each costs in real numbers.
Can I plan with a partner?
Shared accounts are first-class. Two incomes, joint bills, separate cards — everything rolls into one cash-flow view and one debt-free date. Money conversations get easier when you're both looking at the same calendar.
What happens to my data if I cancel?
You can export everything as CSV or JSON at any time, and a full delete wipes your records within 24 hours. There's no archive, no "ad partner," no shadow profile. The point of GuapStax is that the door swings both ways.
Pick a month.
We'll show you the last payment.
Plug in your accounts, your income, your bills. In about ten minutes you'll have an honest answer to a hard question — and a plan to walk it down.
· No card required to start· Export everything, anytime· Free for up to 6 accounts