Triage: Debt Payoff & Budget

Triage is first aid for your money. Import your real statements, see every account, debt, and deadline in one place, and follow a clear plan to get ahead. Your data stays on your device by default. No account to create, no tracking.

IMPORT ANYTHING
Drag in CSV, PDF, OFX, or QFX files from your bank, or scan a paper statement with the camera. Triage reads them, routes each transaction to the right account, cleans up messy payee names, and now sorts far more of your spending into the right category automatically. Anything unclear waits in a review queue, so nothing lands twice.

SEE WHERE YOU STAND
A dashboard built around the numbers that matter: net worth, cash versus debt, safe-to-spend for the rest of the month, and the one move to make today. Debt by APR shows exactly where interest hurts most.

GET OUT OF DEBT, FASTER
Track credit cards, loans, and promotional financing with APRs, due days, and deferred-interest deadlines. Compare avalanche versus snowball, set a target payoff date, and never miss a 0% promo expiration again. Triage watches the dates and warns you before interest hits.

TEST ANY DECISION FIRST
The What-If Simulator shows how a single move, a refund, a bonus, an extra payment, changes your debt-free date, total interest, and this month's safe-to-spend, all on one screen, before you commit a dollar.

BUDGETS AND GOALS YOU CAN KEEP
Monthly budgets by category, an auto-budget starting point, sinking funds for the big irregular costs, and scheduled transactions so upcoming bills and paychecks are already in the picture.

STAY ON TOP OF SUBSCRIPTIONS
Triage surfaces your recurring charges and flags price hikes, so a quiet increase never slips past you.

AI ON YOUR TERMS
On-device AI summarizes your month, flags unusual spending, answers questions about your money, and helps categorize transactions. Optional cloud mode is off by default, uses your own API key with a provider you choose, and strips account, card, routing, IBAN, and Social Security numbers, phone numbers, and transfer names before anything is sent. It also ignores instructions hidden inside your statements. AI output can be wrong and is not financial advice.

YOUR DATA
No sign-up, no ads, no analytics. Accounts, balances, and transactions stay on this device by default. Optional iCloud sync end-to-end encrypts configured fields (balances, payees, amounts, and other fields marked for encryption), not every synced field. If you send in-app feedback, Triage transmits your message plus app version, OS, locale, and a persistent per-install identifier used to correlate follow-ups; a diagnostic log is included only if you opt in and may include account names or transaction details. Lock the app with Face ID. Automatic local backups keep your data yours.

SIMPLE PRICING
Free 3-day trial, then a one-time $0.99 unlock. No subscription.

Questions? support@roxykovu.com