📊 Live Rate Analysis

Stop Losing Money to
High-Interest Debt

BillTrackr connects your bills, your home equity, and live market rates to show you exactly how much you could save — every single month.

Calculate Your Savings →
Live Analysis
You could save
$687
per month
Current debt payments $1,847/mo
After consolidation $1,160/mo
Current avg APR 19.4%
HELOC rate (live) 6.5%
🏠 Consolidate $47,200 in high-interest debt into a HELOC. Save $82,440 over 10 years.
400K+
Homeowners Analyzed
$4,200
Avg. Monthly Savings Found
4.8★
App Store Rating
Daily
Rate Updates
The Problem

Your debt is costing you
more than you think

Most homeowners are sitting on a solution they don't know about. Here's what's actually happening.

💳
$1,847/mo

The average American homeowner pays nearly two thousand dollars a month just in debt payments — not including their mortgage.

📈
22%+ APR

Credit card APRs averaging over 22% while HELOC rates sit around 6–7%. That gap is money disappearing from your wallet every month.

🏠
47% don't know

Nearly half of homeowners don't understand how to leverage their home equity to eliminate high-interest debt. BillTrackr fixes that.

How It Works

Three steps to financial clarity

No spreadsheets. No financial jargon. Just clear answers.

1

Enter Your Bills

Add your debts in under 2 minutes. Name, balance, interest rate, monthly payment. We handle the rest.

2

We Do The Math

BillTrackr pulls live HELOC and refinance rates daily and calculates your exact savings potential in real time.

3

Take Action

See exactly which option fits your situation. Connect with a vetted lender. Start saving real money this month.

Calculate Your Savings

Enter your numbers below. Takes 60 seconds.

$
$
$
%
$
%
Estimated Monthly Savings
per month
Current Interest
HELOC Interest
10-Year Savings

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.

Features

Everything you need to
take control

📊

Bill Dashboard

All your bills at a glance. Upcoming due dates, balances, overdue alerts, and your full payment timeline in one view.

💡

Debt Analysis Engine

Automated analysis of your full debt picture. See exactly which consolidation strategy saves you the most — with real numbers.

📅

Bill Calendar

Visual payment calendar with color-coded urgency. Never miss a due date, never get blindsided by payment clustering.

🔔

Smart Reminders

Escalating alerts: 3 days before, day-of, and persistent follow-ups if a bill goes unpaid. Configurable per bill.

📈

Live Rate Feed

HELOC and mortgage rates updated daily. When rates drop into your savings zone, you'll know immediately.

🏦

Lender Directory

Vetted lenders matched to your specific scenario. Clear rates, terms, and one-tap connection to get the ball rolling.

🚀 Coming Soon

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