A payoff-first debt planner for iPhone
Enter your cards. See the day your debt is gone — computed from your real numbers, before you pay us anything. Then keep it circled.
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The trap
Revolving credit is designed so that paying the minimum keeps you paying forever — the balance barely moves while interest bills arrive monthly. Circled starts from the opposite idea: fix your payments, redirect every freed payment to the next balance, and the mathematics produces something a minimum never will — a finish date.
How it works
Cards you revolve on, installments and BNPL, loans — named in plain language, typed in under two minutes. No account. No bank connection. Circled never sees your numbers.
Circled simulates your plan paycheck by paycheck — fixed payments, every cleared card's payment redirected to the next balance — and circles the date it all ends. Total interest shown before you commit to anything.
Every payday, a 30-second checkpoint: confirm what landed, stamp the paycheck, watch the plan hold. Numbers drifted? Rebase honestly and get a true new date — never a pretty lie.
The schedule
Not a graph that shrinks — a schedule that ends. Circled writes out which payday clears which card, stamps each one with a ○ as it goes, and holds the last line: everything clear, with a real date on it.
Built for real paychecks
Monthly, twice-monthly, every two weeks, weekly — the plan runs on your real payday grid.
Amount, category, done. A daily reminder that stays quiet on days you've already logged.
Apple Pay taps can log themselves through a Shortcuts automation — categorize from the notification.
Rent, subscriptions, car payment — line by line. A payment that ends is modeled to actually end.
Bonus, side gig, a hand from family — record it, point it at a debt, watch the date move.
Payday stamps and seals for real milestones. No streak shaming, no loot boxes — a debt app is not a casino.
English, Japanese, German, Dutch, French, Swedish, Norwegian, Danish, and Arabic — each with local debt vocabulary, not word-for-word translation.
Payment schedule to the last digit, interest shown for every cycle, every number exact — theater never distorts the truth.
Privacy is the architecture
Circled never asks for a bank login. Your plan lives on your iPhone. Circled has no server that holds it and can't see your balances, your spending, or your date — it's designed so it never can.
Your plan. Nobody’s business.
Pricing
Local pricing on the App Store
About $5 a month
Your date is yours free, forever. If the trial ends and you never pay us, your circled date and plan stay visible in view-only mode. We sell the system that keeps the date honest — not the date itself.
Questions
No — by design. You type your balances once and confirm them each payday; it costs about two minutes and means no credentials, no aggregator, and no server-side copy of your financial life. The payday confirmation is also the point — a plan you touch is a plan you keep. If we ever offer a bank connection, it will be optional, off by default, and never required to keep your date.
Revolving card balances, fixed installments and BNPL, credit lines and overdrafts, and loans — car, student, personal. Each is modeled with its own payoff rules and local terminology based on your App Store country.
Deliberately excluded from the debt plan — a 30-year loan would make any "debt-free date" meaningless. Track it as a fixed bill with an end date instead; your circled date is for debts you can actually finish.
No. Circled is planning software: it computes what your own numbers imply under fixed payments. It doesn't recommend products, negotiate rates, or promise outcomes. For advice about your situation, talk to a qualified adviser.
At launch, yes — iPhone with iOS 18 or newer. Android follows after the iPhone app is stable, not in parallel; we'd rather ship one excellent app than two mediocre ones.
Nothing bad. The app drops to view-only — your date and plan stay visible — and your plan stays on your device, exportable as a file whenever you want it.