Log a starting balance, record each payment, and watch your marker move toward a zero balance.
Free for one debt. Complete tracking without a second spreadsheet.
Multiple debts, projected pacing, and monthly milestone recaps.





See each payment you log move your marker along a canyon path toward zero.
Shows only the balances and payments you enter. Nothing invented.
Path projects a date from your own payment pace. It is a projection, not a guarantee.
Optional reminders when it is time to log a payment or review your path.
Path keeps several balances on one Journey, each with its own marker.
Plain words and simple numbers. No finance jargon.

Log your debt, record payments you make, and watch progress toward zero.
Enter what you owe today and who you pay.
Your logged payments become steps along the canyon path.
See your marker move farther along the canyon path.
Statements show a balance. Journey shows how far you have come on the path to zero.

Add your debt details and start watching the canyon path advance.
Keep paying in the apps you already use. Lotus Canyon only tracks what you log.
Enter payments you already made. We never move money or connect to banks.
Keep payment history and progress on one path.
Use your own statements as the source of truth; Journey records ground covered.
Your path, milestones, and payoff pace in one view.
Path recaps reflect your logged pace, not a timeline someone else promised.