The Silo is a budgeting and debt payoff planner for your household. Snowball or avalanche, your call, and it gives you an actual debt-free date instead of a motivational poster. It doesn't link to your bank, because why would you hand that over. It doesn't sell your data. You type in the numbers, and they stay yours. That's the whole pitch.
Free for 2 accounts, 5 debts and 1 property. No card, no "trial ends in 13 days" nonsense. The Home plan is $5.99/mo. Less than the streaming service you forgot to cancel.
For the record: every screenshot below is a demo household built from median U.S. figures. Not a real person's data. We're not that kind of company. Meet the family.
APRs, balances, minimums, due dates, and the number the lender has never once put in bold: how long each debt takes at the minimum. Check the Discover card. At a 2% minimum the payoff column says "never." That's not a bug. That's the product working exactly as designed. Theirs, not ours.
Payoff @ min is the unfiltered version: car 55 months, Chase card 179, Discover card never. Cool cool cool.
Park the mortgage (one click, it's fine, the house is a different conversation) and aim the plan at the consumer debt: the cards, the car, the student loan you're still somehow paying. Avalanche pays every minimum, throws your extra at the highest rate, and rolls each dead payment onto the next one. Here's what $200 a month does. No hype, just the table:
Consumer debt gone Oct 2032. $17,289 in interest along the way. And the Discover card said "never," so, you know, improvement.
Gone May 2031. $10,821 in interest. The plan works out the order that saves the most so you don't have to make a spreadsheet at midnight.
Not a projection gimmick. The plan uses the issuers' real minimum formulas, knows when your promo rate quietly ends, and never spends money the month doesn't have. We've seen enough late-night infomercials to know better.
The dashboard keeps it honest: net worth, cash, what's due, and the payoff date right there. If a payment is going to overdraw an account two weeks from now, The Silo says so while there's still time to move money. Instead of, say, a $35 fee and a passive-aggressive email. Give a debt or a savings goal a date and it hands you the monthly number that gets you there. That's the number you bring to the raise conversation.
It's all live. Your spending averages feed the forecasts, and the date shifts the second anything changes. No cheerleading, just numbers.
Forecast where the balances land, see the charges coming, and catch an overdraft months before the bank charges you for it. Fees are a choice the bank makes. Now you get to make it first.
Underneath everything, The Silo is a debt reduction plan built around what you actually spend day to day. Avalanche, snowball, or your own order, pointed at the cards, loans, and mortgage with the income you actually have. It shows you how to take down the ugly ones. No lecture.
Thinking about consolidating? Type in the amount, term, APR, and fees. The Silo runs it against your debts and gives you the straight answer: what it saves, what it costs, and whether your end date moves. Sometimes it helps. Often it doesn't. Now you'll know.
Bills, minimums, everyday spending, dividends, interest, projected a month or ten years out. If something's going to overdraw an account, you'll know ahead of time, with every balance shown for that day.
Nobody logs every coffee. Enter what the bank says you have and The Silo books the gap. Sort it out later. Or don't. You're an adult.
Holdings, cost basis, dividends, margin, home equity, the stuff in the garage. Real net worth, updated nightly. No confetti animation.
Your books belong to you. No data selling, no ads, no sharing. The Silo isn't another "hand over the keys and we'll handle it" app. It's for people who want to understand their own money without worrying about someone hacking their actual bank accounts. We never connect to them. Can't leak what you never had.
Hands off your data. We mean it. Two-factor login, encrypted secrets, card details that never touch our servers. All we work with is what you type in: numbers. That's it. Today's financial tools with yesterday's attitude about handing out private information, which is to say, you didn't. Stop giving away the keys to your future.
The outlook runs ten years out on the same numbers you live on today. Give a savings goal a date and it tells you the monthly amount to hit it. Thinking about a car, a move, a kid? Type the new monthly cost into What if and watch what it does to the debt-free date before you sign anything.
Pick the month you want a debt gone. The Silo tells you the extra per month it takes, on top of what you already pay. That figure is what you walk into the raise conversation with. Not a feeling, not "a little more," a number. Same for a savings goal with a date: it shows the monthly it needs. Ask for that.
Upload a bank, card, or brokerage statement — PDF or a photo. The Silo reads every line, matches what you already logged, adds the rest with a category, sets the balance, and shows you all of it before a single thing changes. Still no bank connection. Just the paper you already get.
Constant price hikes are one of the more ridiculous things about subscriptions these days. What you pay when you join is what you pay for the life of your membership. Share The Silo with a friend and you get a month free when they join. We're serious about saving. Ours included.
Each account, card, and loan: balance, rate, minimum, due day. Known issuers fill in their own minimum formulas. Have a statement handy? Upload it and the balance and lines fill in themselves. Ten minutes and it's all in front of you. Grab a coffee first, it's a lot.
Bills post themselves. Everyday spending settles into honest averages. The dashboard shows net worth, cash, and what this month really looks like before it happens.
Pick avalanche, snowball, or your own order, and The Silo sends every spare dollar where it hurts the debt most, rolling freed-up payments forward until the last balance hits zero. The end date is a month on the calendar. Not a vibe.
Takes a few minutes. No bank logins, no data harvesting. Just your numbers, which is all it ever should have been.