Add Balance — Monthly-Expenses

Each balance type has its own interest rules and waterfall priority.

Existing Balances on this Card

Verizon-Phone LOAN $3204.00

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Colorado-Utilities LOAN $2100.00

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House-Hoa LOAN $912.00

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Car-Wash LOAN $420.00

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Business-Google-WS LOAN $216.00

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Business-SquareSpace LOAN $180.00

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Subscription-Amz-Msft-Wmart-Claude LOAN $600.00

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State-Farm-Car-Insurance LOAN $1138.32

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Label

Label *

Balance Type

🔒 This account is a loan — only Loan BT is available.
Other balance types apply to credit cards only.

Dates & Opening Balance

Start Date * Date BT was posted / cash advance taken / account opened

Promo Expiry Date Last day of 0% / promotional rate period

Opening Balance ($) * Balance on the start date

Current Balance ($) (optional) Today’s actual balance — used to show drift vs projection

Deferred BT — Rate

0% interest during promo period. After expiry the post-promo APR applies to whatever balance remains. No retroactive charges.

Post-Promo APR (%) * Standard purchase APR that kicks in after the promo expires

Regular BT — Rates

Interest accrues at the promo rate during the promo period. After expiry the standard APR takes over.

Promo APR (%) *

Standard APR after expiry (%)

Cash Advance — Rate

Cash Advance APR accrues from the start date — there is no promo period. No expiry date needed.

Cash Advance APR (%) * Typically higher than standard APR (read from card account)

Loan BT — Rates & Instalment

Fixed instalment is deducted before the payment waterfall runs on other balances. Use APR after rate change + Rate Change Date to model a rate bump (e.g. autopay discount removed). Interest auto-switches from Loan APR to the higher rate starting that date.

Loan APR (%) *

APR after rate change (%) optional

Monthly Instalment ($) * Fixed amount deducted each month before waterfall

Standard Revolving — Rate

Standard purchase APR applies at all times. Paid last in the waterfall after all promo balances.

Standard APR (%) *

Optional

Minimum Payment Due ($) Issuer’s stated minimum — shown alongside projection for reference only

Colour

Blue

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