Most people pay the minimum and hope for the best. Reallo shows you how to redirect what you already have to get debt-free faster — and cheaper.
Designed for iPhone. Stored on your device and protected by Face ID.
Add your credit cards, store cards, loans and overdrafts. Reallo builds a month-by-month payoff plan around the money you already have.
Credit cards, store cards, 0% balance transfers, loans and overdrafts — with balance, APR, minimum payment and due dates.
Optimise for the lowest total interest, the fastest debt-free date, or freeing up your monthly minimums sooner — or set a custom payoff order.
Spot debts that are going backwards or at risk of persistent debt, and see exactly where each month's payment goes.
See your balance fall over time, hit payoff milestones, and know your projected debt-free date at a glance.
Try an extra payment, a lump sum or a bigger budget without touching your saved plan — then apply it if you like the result.
Local payment reminders are scheduled on your device only — nothing is sent to a server.
Enter your balances, APRs and minimum payments, plus your income and regular expenses.
Tell Reallo your monthly budget and what matters most — least interest, fastest payoff, or freeing up cash.
Reallo builds your optimised payoff schedule and shows your debt-free date and total interest saved.
From your first debt to your debt-free date — Reallo shows you the whole picture.
Overview
Plan
Results
ScheduleReallo does everything on your iPhone, and it's locked with Face ID — or your device passcode — every time you open it. There are no accounts, no sign-ups and no servers collecting your financial information — Reallo itself never receives it.
The only way a copy leaves your phone is through your own iCloud backup. If you have that turned on, the backup is stored and encrypted by Apple in your Apple Account — Reallo still can't see it.