Steady progress you can actually see
Flat
Progress that feels invisible
Unclear
No sense of progress
Trail
One debt, free
Path
Multiple debts
See starting balance, remaining amount, and ground covered in one clear place.
Projected payoff dates from your own payment pace.
Start tracking in minutes
Add one debt, log payments as you make them, and watch your marker move toward zero.
Your pace
Your payments stay with you
2 Minutes
Ready to log your first payment
Add your debt
Log the debt you already hold and the payments you make
Log each payment
Your logged payments become steps along the canyon path.
Watch the path move
See your marker move farther along the canyon path.
Built for people already paying down a debt
One credit card
Track a single card balance as a journey, not a spreadsheet cell that never feels done.
Ground covered
Steady focus on one balance
Multiple balances
Keep a personal loan and a medical bill on one Path with milestone recaps.
Path
Multiple debts, one Journey view
Several balances
Keep several balances on Path with a projected payoff date from your own pace.
Path
Multiple debts, one view
Monthly recaps
Get monthly milestone recaps based on the payments you already logged.
Your pace
Clearer milestones along your path
One credit card
Track a single card balance as a journey, not a spreadsheet cell that never feels done.
Ground covered
Steady focus on one balance
Multiple balances
Keep a personal loan and a medical bill on one Path with milestone recaps.
Path
Multiple debts, one Journey view
Several balances
Keep several balances on Path with a projected payoff date from your own pace.
Path
Multiple debts, one view
Monthly recaps
Get monthly milestone recaps based on the payments you already logged.
Your pace
Clearer milestones along your path
We built Lotus Canyon so paying down a debt feels like covering ground, not staring at a flat number.
Made for long payoff paths
A quieter way to stay with a long payoff without shame-based messaging.
$0
Trail is free for one debt you already hold.
Directly
We never move money. We only track progress.
None
Nothing to link. You enter only what you choose.
Multiple
Keep several balances on one Journey.
Your pace
Only the payments you choose to record.
After I switched roles, I logged the same card payments I was already making. Seeing the path move made each one feel like distance covered, not another forgotten note.
Trail keeps me on a single medical balance. I still pay the clinic myself; Lotus Canyon just shows how far that balance has come since the last statement.
My student loan used to only show up as a due date. Mapping payments on a path finally lets me see progress between statements.
Relocating left me with one personal loan I needed to finish. Logging each payment on Path turned a flat remaining amount into ground I can actually see.
Trail is enough for my auto loan. One debt, honest markers, no second spreadsheet pretending to be a plan.
After I switched roles, I logged the same card payments I was already making. Seeing the path move made each one feel like distance covered, not another forgotten note.
Trail keeps me on a single medical balance. I still pay the clinic myself; Lotus Canyon just shows how far that balance has come since the last statement.
My student loan used to only show up as a due date. Mapping payments on a path finally lets me see progress between statements.
Relocating left me with one personal loan I needed to finish. Logging each payment on Path turned a flat remaining amount into ground I can actually see.
Trail is enough for my auto loan. One debt, honest markers, no second spreadsheet pretending to be a plan.
Start free. Add Path when you need it.
Frequently asked questions
Quick answers about tracking, plans, and what Lotus Canyon does not do.
How is my tracking data handled?
We store the balances and payments you enter so you can track progress. We never process, hold, or transmit payments to creditors.
Can I track more than one debt?
Trail covers one debt. Path lets you track multiple debts on one Journey with projected payoff dates from your own pace.
Does Lotus Canyon pay my creditors?
No. You make every payment directly to your own creditor. Journey only shows the progress you log.
Is Trail really free?
Yes. Trail is free for one debt, with payment logging, the canyon path, and CSV export. Path adds more balances, a projected payoff month, and monthly recaps.
Do you offer debt relief or consolidation?
No. Lotus Canyon never originates, settles, consolidates, or collects debt. We are a personal tracking tool only.