What you buy with the card is set aside
Every card purchase sets the money aside in «Card payment». When the statement arrives, you already have enough to pay it in full, with no interest.
How it works
Cards and debts
Get out of debt with a plan and a date
Your credit card stops being an end-of-month surprise, you know the real cost of buying in instalments before you do it, and you get a plan with the exact date you will be debt-free.
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Instalment purchases, with clear numbers
Record the purchase with its instalments and its rate, and Presupeso tracks how much is left, and how much of each payment is principal and how much is interest.
How it works
How many instalments? See what it costs
Before buying, the simulator tells you how much you would really end up paying in 1, 12 or 24 instalments. The difference is often bigger than you think.
How it works
All your debts in sight
The motorbike loan, the bank loan, the card: how much you owe on each, the rate, the payment and how much interest you pay this month.
How it works
Pay the instalment from its envelope
Each debt has its category. You assign money to it like any envelope and, with «Pay this debt», the payment comes out of there and the debt goes down.
How it works
It warns you if you are making it grow
Recorded the payment as an expense? That would make the debt grow. Presupeso notices, tells you, and you turn it into a payment with one tap.
How it works
Your way out: snowball or avalanche
Say how much extra you can put in each month and compare two paths: smallest first (you feel the progress) or most expensive first (you pay less interest). You get the date you will be free and how much you save.
How it worksCards and debts
Questions about this
Which is better, snowball or avalanche?
Avalanche pays less interest because it attacks the most expensive debt first; snowball keeps you motivated because you close small debts early. Presupeso shows you both with their dates so you can choose.
How do I pay the card without counting it twice?
What you buy with the card already came out of its category. Paying the card is a transfer from your bank that comes out of «Card payment», so nothing is counted twice.
Does it give investment advice?
No. Presupeso does the maths (what it costs, when you finish, how much you save) and the decision is yours.
See it from the inside before you decide
In the demo you sign in with your account and we set up your own copy with sample data: a family budget with three months of transactions and a business. Try everything; nobody else sees it.