Know the day you'll be debt-free.
Add what you owe, pick a timeframe, and Truve works out the real daily and monthly target to get there — then tracks every payment against the plan. Free to start, 14-day trial either way.
Minimum payments aren't a plan.
No finish line
Minimum payments and good intentions don't come with a date. Truve gives you an actual one.
Every debt costs differently
A credit card and a student loan don't charge the same. Add each debt with its type and rate, and Truve uses both to work out your target.
Progress you can't see
Connect your accounts and Truve tracks every payment against the plan, so you can see how far you have come and what is left.
From what you owe to a date, in three steps.
- 1
Add what you owe
Pick the type — credit card, personal loan, auto loan, student loan, or mortgage — then enter the balance and rate.
- 2
Choose your timeframe
Six months, a year, two years, or type your own. Truve shows the real daily and monthly amount it takes to hit it.
- 3
Track it down to zero
Payments are tracked against the plan, and Iris flags extra room in your budget to pay it down faster.
Free to download. 14 days free either way.
No feature splits hidden until checkout — here's exactly what each plan includes.
- All accounts, spending & budgeting
- One savings or debt-payoff goal
- Upcoming bills & subscriptions
- Ask Iris
- Everything in Basic
- Multiple goals at once
- Subscription ROI Tracker
- Data export
- Partner mode: combined balances & shared goals
What people ask before they start.
What kinds of debt can I add?
Credit card debt, personal loans, auto loans, student loans, and mortgages. You can add more than one.
Do I need to know my interest rate?
It helps, because each type of debt costs differently — a credit card and a student loan aren't the same. Truve starts you with a typical rate for that kind of debt, and you can check it against your statement.
Can I track more than one debt at once?
Truve Basic ($9.99/mo) includes one savings or debt-payoff goal. Truve Pro ($14.99/mo) lets you run multiple goals at once. Both start with a 14-day free trial.
Does Truve need my bank login?
No. Your accounts connect through Stripe Financial Connections, and Truve never stores your bank credentials. Access is read-only, so Truve cannot move your money.
Is Iris giving me financial advice?
No. Iris is a coach that knows your real numbers, not a licensed financial advisor. Every answer is marked "Not financial advice."