$1,392
What the bank takes this month
On a 6.23% mortgage at the U.S. average balance, that's the interest line of payment one. Not principal. Not equity. Rent on borrowed money.
What does your debt actually cost?
U.S. households paid $253 billion to credit card companies on the interest line last year — roughly $1,900 per household across the ~133 million the Census counts. Most never saw the number. Actually. shows it for every debt you carry — every dollar, every month, until it's gone.
Why Actually.?
We make money differently.
Most debt apps make money from your data, your attention, or a subscription that auto-renews. Actually. doesn't. Here's the side-by-side.
Feature
Actually.
Most debt apps
Asks for your bank login
Never
Usually required
Where your data lives
Your Google Drive
Their servers
Account or login required
None, unless you encrypt
Required
Sells or shares your data
Never
Often
Ads or cross-sells inside the app?
None
Common — refinance, balance transfer, “partner offers”
How does it make money?
Voluntary donations
Subscriptions, ads, lead-gen referrals
The number nobody shows you
The monthly payment is what banks want you to see. The lifetime number is the one with weight.
Banks present the monthly minimum because it feels manageable. Actually. surfaces the lifetime cost — total interest from now until each debt is gone — and the per-payment split that sits underneath it. Numbers below are from the same sample U.S. household carrying recent averages.
$256
What you keep this month
Same payment, same month — what actually goes to principal. About 16¢ of every dollar. The rest goes to the bank.
$326,000
What the bank takes total
Lifetime interest on that same loan. Not the loan amount — the interest on top. The number nobody puts in front of you when you sign.
What Actually. does
Four steps. No bank login at any of them.
01
You enter what you already know
Balance, APR, minimum payment — straight from a statement. Mortgage adds taxes, insurance, PMI, HOA. Subscription debts are name + amount + cadence.
02
You see the lifetime number
Real amortization, every month, until each debt is gone. Total interest, payoff date, and the bank-vs-you split for the next payment.
03
You slide to see the impact
Each debt has a slider for an extra payment. Move it ten dollars and watch the payoff date pull in and the interest line shrink.
04
You log payments to see actual savings
When you make a payment, log it. The hero card switches from projection to reality: what your extra payments actually saved, in dollars and months.
Privacy by architecture
Your financial data never reaches our servers.
This isn't a policy line. It's how the app is built. Our servers process Stripe donation payments and nothing else.
No bank login. Ever.
You enter your numbers from a statement. We never ask for your bank credentials. No Plaid, no scraping, no read-only access tokens.
Encryption available.
Set a password at onboarding and your data is encrypted with AES-256 before it's written to Google Drive. With encryption on, the file in your Drive is unreadable to anyone but you — including Google.
Your Google Drive, your data.
Sign in with Google and your data is written to a private folder in your own Google Drive — the durable home for your numbers. We never see it. You disconnect anytime.
No ads. No cross-site tracking. No data selling.
Privacy-friendly first-party analytics via same-origin proxy — aggregate stats only, no cookies, no PII. No third-party trackers, no ad pixels, no behavioral profiling. We don't have anyone to sell your data to.
Free forever
No paywall. No “Pro” tier. No trial that turns into a charge.
- Every debt type, every calculator, every feature — free.
- Unlimited debts.
- Encryption available with no upcharge.
- Google Drive storage with no upcharge.
If Actually. helps you, you can buy the founder a coffee. Donations are voluntary, never required, and never affect what the app does.
Free calculators
Four calculators. No signup. Nothing leaves your browser.
Each one runs entirely on your device. The math is the same math the app uses — exact parity with what you'd see inside Actually.
Mortgage
Full PITI breakdown, amortization schedule, and what one extra payment a month does to the payoff date.
OpenDebt Payoff
Add every debt, pick a payoff order (highest-rate or smallest-balance), see the combined debt-free date.
OpenCredit Cards
Lifetime interest at minimums versus paying more. The number that makes one extra payment a month feel different.
OpenDebt-to-Income
Front-end and back-end DTI ratios, plus the bands lenders actually use when reviewing a loan application.
OpenCommon questions
A few things people ask.
Does Actually. need my bank login?
No. You enter your numbers from a statement — balance, APR, minimum payment. We don't ask for bank credentials, and we don't connect to your bank. No Plaid, no scraping.
What does it actually cost?
Nothing. Every feature is free, with no time limit and no debt limit. If the app helps you, you can support it through a voluntary donation. That's the only revenue.
Where does my data live?
In your own Google Drive — a private folder we can't see and can't reach. The app stages a working copy on your device for speed, but Drive is the durable home. Encrypt it first and even Google can't read the backup file.
Are there ads or analytics on the site?
The app runs no analytics, no telemetry. The marketing site uses Plausible privacy-friendly analytics via same-origin proxy — aggregate stats only, no cookies, no PII, no fingerprinting, no cross-site tracking. No ad pixels.
How do the calculators relate to the app?
The calculators on this site share the exact math the app uses — same amortization, same payoff logic, same edge-case handling. You can use them on their own without ever installing the app.