BillTrackr connects your bills, your home equity, and live market rates to show you exactly how much you could save — every single month.
Most homeowners are sitting on a solution they don't know about. Here's what's actually happening.
The average American homeowner pays nearly two thousand dollars a month just in debt payments — not including their mortgage.
Credit card APRs averaging over 22% while HELOC rates sit around 6–7%. That gap is money disappearing from your wallet every month.
Nearly half of homeowners don't understand how to leverage their home equity to eliminate high-interest debt. BillTrackr fixes that.
No spreadsheets. No financial jargon. Just clear answers.
Add your debts in under 2 minutes. Name, balance, interest rate, monthly payment. We handle the rest.
BillTrackr pulls live HELOC and refinance rates daily and calculates your exact savings potential in real time.
See exactly which option fits your situation. Connect with a vetted lender. Start saving real money this month.
The math is powerful. The privacy model is simple: your financial data stays where it belongs.
No cloud sync. No data mining. No selling your information.
BillTrackr runs entirely on your phone. Your bills, rates, and financial details never leave your device unless YOU choose to export them.
That means you get real debt analysis and payment visibility without handing over your household financial picture to a third-party cloud database.
Read the privacy policy →Your bills, balances, APRs, and savings calculations are processed locally on your phone instead of being shipped to a remote server.
BillTrackr is designed so your sensitive financial details stay with you. We don’t mine, profile, or sell your household debt data.
You stay in control of your records. Export your data whenever you want in standard formats you can review, back up, or move elsewhere.
Your data is protected by modern device security and encryption standards, helping keep your financial information locked down on supported devices.
Enter your numbers below. Takes 60 seconds.
Estimate only based on current average HELOC rate of ~6.5% APR. Actual rates, terms, approval, and savings will vary. This is not financial advice. Consult a licensed lender before making financial decisions. BillTrackr may earn referral fees from lender partners.
All your bills at a glance. Upcoming due dates, balances, overdue alerts, and your full payment timeline in one view.
Automated analysis of your full debt picture. See exactly which consolidation strategy saves you the most — with real numbers.
Visual payment calendar with color-coded urgency. Never miss a due date, never get blindsided by payment clustering.
Escalating alerts: 3 days before, day-of, and persistent follow-ups if a bill goes unpaid. Configurable per bill.
HELOC and mortgage rates updated daily. When rates drop into your savings zone, you'll know immediately.
Vetted lenders matched to your specific scenario. Clear rates, terms, and one-tap connection to get the ball rolling.
Join the waitlist for early access and a free personalized debt analysis report when BillTrackr goes live.
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