Trail is a complete tracker for a single balance. Path puts every balance you are paying on one Journey, with a payoff projection built from your own pace.
For the one balance you are focused on right now.
No card needed.
For when you are paying down more than one balance at a time.
Cancel anytime from Settings.
Track balances from any lender
Logos belong to their owners. Lotus Canyon is not affiliated with or endorsed by these lenders; you track payments you make to them.
Move the sliders to match a balance you are paying. This is the same kind of projection Path builds from the payments you actually log.
Leave APR at 0 if you are not sure. Your statement lists it. Nothing you enter here is saved or sent anywhere.
At this pace you reach zero around December 2027.
Same calm canyon. Path adds room for every balance and a view of where your pace is heading.
No. You keep paying your creditor the way you already do. You log the payment in Journey and your marker moves. We never move money, link to your bank, or contact your creditors.
Yes. Your debt and every payment you logged carry over. Upgrade from Settings in Journey whenever you add a second balance.
You move back to Trail. Your history stays, and you keep tracking one debt of your choice. Other balances stay visible but paused until you return to Path.
No. It is a projection from the payments you log. If your pace changes, it changes with you. Read more in our Terms.
