How it works
A clear plan, one debt at a time.
Plum Violin is a debt payoff planner. It turns your balances into one monthly plan: see what to pay, when it is due, and where your extra money goes, smallest debt first.
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How the Crescendo Method Works
The Crescendo Method helps you pay off your debts one at a time, starting with the smallest balance.
First, list your debts from smallest to largest. Keep making the minimum payment on every debt. Then, put any extra money you have toward the smallest one.
When you pay off that debt, take the money you were paying on it and add it to the payment for your next smallest debt.
Each time you pay off a debt, you have more money to put toward the next one. Your payments grow, and your debt gets smaller.
With Plum Violin, you can follow your progress, celebrate each debt you pay off, and see your estimated debt-free month.
All payoff dates and projections are estimates, not guarantees.
- 1Cover the required payment on every debt.
- 2Put your extra money toward the smallest balance.
- 3When it is paid off, roll its payment into the next debt.
| Stage | Payment composition | Payment to that debt |
|---|---|---|
| Smallest debt | $50 minimum + $150 extra | $200 per month |
| After that debt is paid off | Next debt's $75 minimum + $200 rolled forward | $275 per month |
Smallest debt
Payment composition: $50 minimum + $150 extra
Payment to that debt: $200 per month
After that debt is paid off
Payment composition: Next debt's $75 minimum + $200 rolled forward
Payment to that debt: $275 per month
These numbers are an example, not your plan. Other minimums continue and your monthly payment stays the same as payments roll forward.
What to gather
- Latest account balances
- Interest rates
- Minimum payments
- Due dates
- Take-home income
- Living costs
- Intended savings contribution
No bank credentials or full account numbers are needed.
Paying vs. recording
You pay your creditors through your usual payment channels. Recording a payment in Plum Violin does not send money, verify receipt, or connect to a bank. It simply keeps your plan up to date.
Short videos
Two quick guides from Grace, each under a minute. Captions are on, and nothing loads until you press Play.
The Crescendo Effect
45 seconds · Captions on
Grace shows how small wins build momentum with the Crescendo Method. In the example, three debts share a $400 monthly payment: the smallest gets $100, its $50 minimum plus $50 extra, while the others get their minimums. When it is paid off, its whole payment moves to the next debt, which now gets $200, until all $400 goes to the last one.
Build and Follow Your Plan
45 seconds · Captions on
Grace walks through building a plan in three steps. In My Debts, add each credit card, loan or buy now, pay later plan with its balance, interest rate, minimum payment and due date. In My Budget, enter your income, living expenses and savings, then choose how much extra to put toward your debts each month on top of the required minimums. My Payment Plan then shows what to pay, when it is due, and which debt gets your extra money, with no bank logins.
See your debt-free month tonight.
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