Debts

Track what you owe — mortgages, car loans, credit cards, student loans. Balances subtract from your net worth, and each debt's payment schedule becomes an expense in the projection.

What you see

Debts are grouped by type with a total balance at the top. Each card shows the interest rate (color-coded: green for low, red for high), whether it's fixed or variable, the balance, and the minimum monthly payment. A link icon means the debt is tied to an asset — click it to jump there.

Screenshot coming soon: The Debts page with grouped debt cards and rate badges

Adding a debt

Original Amount vs. Current Balance— the original amount is the starting loan size; the current balance is what's left today.
Interest Rate and Rate Type — for a variable rate, you pick the index (SOFR, Prime, Treasury) and your spread above it.
Payment Information — toggle this on to create the payment schedule: amount, frequency, and when payments start and stop (a date, a life event, or a fixed duration). This generates a linked expense automatically.

Screenshot coming soon: The debt edit form with rate type and payment information

Good to know

If you created a mortgage or car loan from the Assets page, it already exists here — don't enter it twice.
The generated payment expense is managed from the debt: edit the debt to change it, and deleting the debt removes it.
Loan payments default to fixed amounts (no inflation adjustment), which is right for most loans.

Still stuck? Contact support — we read every message.