The Silo is a private household budgeting and debt payoff planner — snowball or avalanche, with a real debt-free date. No bank account linking, no data selling: you enter the numbers, you keep the data.
Free forever for 2 accounts, 5 debts & 1 property — no card, no clock. Go unlimited with Home for $5.99/mo or $20.00/yr.
Every screenshot below is The Silo running on a demonstration household built from median U.S. figures — not a real member's data.
APRs, balances, minimums, due dates, and the number lenders never put in bold: how long each debt takes at its minimum. Look at the Discover card — at a 2% minimum, the payoff column says "never." That's not a bug. That's the business model The Silo was built to beat.
Payoff @ min tells the real story: the car takes 55 months, the Chase card 179, and the Discover card — never.
Set the mortgage aside (a one-click preference) and point the plan at the consumer debt — the cards, the car, the student loan. The avalanche pays every minimum and aims whatever you can spare at the highest rate first, rolling every freed-up payment forward. Watch what $200 a month does:
Consumer debt gone Oct 2032 · $17,289 of interest along the way — and that Discover card alone said "never."
Consumer debt gone May 2031 · $10,821 of interest — the plan finds the order that saves the most.
Not a projection trick: the plan pays real minimums with real issuer formulas, anticipates promo-rate expirations, and never spends money the month can't spare.
The dashboard keeps the whole picture honest — net worth, cash, what's due, and the payoff date front and center. When a payment would overdraw an account two weeks from now, The Silo says so while there's still time to move money.
Every number is live: everyday-spending averages feed the forecasts, and the payoff date reacts the moment anything changes.
Forecast your financial stability, see upcoming charges and how they affect your daily balances. See overdrafts before they happen so you can proactively take steps to avoid fees far into the future.
At its heart, The Silo is a debt reduction plan built specifically around your day-to-day spending. We use modified Avalanche and Snowball to tackle the biggest credit card balances, loans, and mortgages. The Silo will show you how to tackle the toughest debts with the income you have.
Thinking about consolidating? Enter any loan's amount, term, APR, and fees. The Silo shows you how to pay your debts down and gives you the honest answer — what it saves, what it costs, and how your debt-free date moves.
Recurring bills, debt minimums, everyday-spending averages, dividends, and interest projected forward - a month or even ten years. The moment a payment would leave an account overdrawn, you'll see it, with every account's balance projected for that exact day.
Real life doesn't post every coffee. Enter what the bank says you have and The Silo books the difference — then break it down into what it really was, at your own pace, until every dollar is accounted for.
Track holdings, cost basis, dividends, and margin; fold in your home equity and other valuables for a true net-worth picture — updated nightly.
Your books belong to you. We don't sell data, run ads, or share anything. The Silo isn't another fancy hand over the keys and let us do the work type app. The Silo is for people who really want to understand their finances without the worry of someone hacking your actual bank accounts - because we never connect to them.
We really mean we're hands off when it comes to your data. Two-factor authentication, encrypted secrets, and card details never touch our servers. We focus on what you provide - numbers. Thats it. Seriously. It's todays financial knowledge with yesteryears trust for giving out private information - you didn't. Stop giving away the keys to your future.
One of the most frustrating things with services these days is the constant price changes. We think that is ridiculous, the price you sign up at is the price you pay for the life of your membership.
You can even earn free months just by sharing. We're serious about saving!
The guided setup walks you through each account, card, and loan — balances, rates, minimums, due days. Known issuers auto-fill their own minimum-payment formulas. Ten minutes and the whole picture is in front of you.
Bills post themselves on schedule, everyday spending settles into honest averages, and the dashboard shows net worth, cash on hand, and what this month actually looks like — before it happens.
Pick avalanche or snowball, and The Silo aims every spare dollar where it hurts the debt most — rolling freed-up payments forward until the last balance hits zero. The end date isn't a hope; it's a month on the calendar.
Set up your household in a few minutes — no bank logins, no data harvesting, just your numbers.