A clearer journey for the debt you already hold

Log a starting balance, record each payment, and watch your marker move toward a zero balance.

Trail

Free for one debt. Complete tracking without a second spreadsheet.

Path

Multiple debts, projected pacing, and monthly milestone recaps.

Journey metrics with balance remaining, payments logged this month, path pace, and a declining balance chart
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White cloud shape on a black background.
A winding dirt path through a lush meadow filled with colorful wildflowers under a clear blue sky.
Track balances from any lender
Remaining balance chart falling from $3,680 to $1,250 across logged payments
How it works

Tools that stay out of your way

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See payoff progress update as you log payments
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Keep Trail simple for one balance
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Payment-logged updates on your path
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See every payment as ground covered
Capabilities

Everything inside Journey

Visual path progress

See each payment you log move your marker along a canyon path toward zero.

Honest balance markers

Shows only the balances and payments you enter. Nothing invented.

Projected payoff pacing

Path projects a date from your own payment pace. It is a projection, not a guarantee.

Check-in reminders

Optional reminders when it is time to log a payment or review your path.

Multiple debts on Path

Path keeps several balances on one Journey, each with its own marker.

Plain-language views

Plain words and simple numbers. No finance jargon.

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How it works

Start tracking in minutes

Log your debt, record payments you make, and watch progress toward zero.

01

Log your debt

Enter what you owe today and who you pay.

02

Record payments

Your logged payments become steps along the canyon path.

03

Watch the path move

See your marker move farther along the canyon path.

How it works

Progress that goes deeper than a statement

Statements show a balance. Journey shows how far you have come on the path to zero.

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Plan milestones that match your own payoff pace
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Keep payments separate from tracking
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Watch remaining balance shrink as ground covered
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Stay oriented between statements
Path progress gauge at 66%, $2,430 of $3,680 covered
Works with how you already pay

Works beside the apps you already use

Add your debt details and start watching the canyon path advance.

Your creditor apps

Keep paying in the apps you already use. Lotus Canyon only tracks what you log.

Manual payment logging

Enter payments you already made. We never move money or connect to banks.

Lotus Canyon

Keep payment history and progress on one path.

Statements you keep

Use your own statements as the source of truth; Journey records ground covered.

Journey

Your path, milestones, and payoff pace in one view.

Monthly milestone recaps

Path recaps reflect your logged pace, not a timeline someone else promised.