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One plan. Smallest debt first.

The simplest way to see when you'll be debt-free.

Plum Violin is a debt payoff app. Type in your credit cards, loans, and buy now pay later balances, and it gives you one monthly plan: what to pay, where your extra money goes, and the month you'll be debt-free.

Not a loan, debt settlement, or credit counseling. You stay in control and pay your bills the way you do now.

Start my free 7 days →Or try a quick estimate
  • No card needed
  • No bank logins
  • Cancel any time

After your trial: $6.99 a month, or $39 a year as a Founding Member. Compare plans

Your plan for next month

Inside the app · sample data

Estimated debt-free month…

Monthly debt budget…

DebtBalanceMinimumPay this month
Minimums covered: …Extra to …: …

No bank loginsYou type in balances from your statements.

No full account numbersWe never ask for them.

Never moves your moneyYou pay creditors your usual way.

How it works

A planning tool, not a bank connection.

Three steps a month. Set up your debts and budget in a few minutes.

  1. Step 1

    Enter your balances

    Type in each balance, interest rate (or mark it unknown), minimum payment, and due date from your statements.

  2. Step 2

    Get this month's plan

    Every minimum is covered first. Any extra money goes to your smallest balance. You see exactly what to pay and when.

  3. Step 3

    Pay, then check it off

    Pay through your bank or creditor as you do today. Log what you paid and check it against your statement at month's end.

The Plum Violin Crescendo Method

Start small. Build momentum. Become debt-free.

One debt at a time, smallest balance first.

  1. List your debts from smallest to largest.
  2. Keep paying the minimum on every debt.
  3. Put any extra money toward the smallest one.
  4. When it's paid off, roll that payment into the next smallest debt.

All payoff dates and projections are estimates, not guarantees.

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.

Conceptual illustration, not a forecast of your plan.

Try every feature free for 7 days.

Add all your debts and see your plan. No card needed. When the trial ends, pick monthly or annual, or simply stop.

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Inside the app

Your debts, budget, and payoff plan in one place.

Five tabs, in the order you'll use them each month.

Tab 1

My Debts

See everything you owe.

Cards, loans, and buy now pay later in one list, with each balance and minimum side by side.

Tab 2

My Budget

Know what you can put toward debt.

Organize income and expenses, then choose a monthly payoff amount that fits.

Tab 3

My Payment Plan

Turn balances into a plan.

See what to pay, when it's due, and which debt your extra money targets.

Tab 4

My Progress

Watch your balances fall.

Follow real balances on a chart and mark each debt as it reaches zero.

Tab 5

Close the Month

Keep your plan honest.

Record what you paid, match it to your statements, and carry real balances forward.

Meet Grace

Questions about your plan? Ask Grace.

Grace is the app's AI guide. She explains your plan in plain words. She's optional, and she never changes your numbers.

Your plan works the same without her

How Grace handles your data

Why am I paying the store card first? The Visa is bigger.

Paying off the smallest balance first gets you a win sooner. Then its payment rolls into the Visa.

The story behind Plum Violin

Built to make debt payoff planning easier.

Plum Violin began with a simple challenge: helping a friend who was overwhelmed by keeping track of credit cards, loans, and other debt payments.

We first tried organizing everything in a spreadsheet, but it became clear that a spreadsheet alone wasn't enough. What was needed was a tool that could organize debts, build a monthly payment plan, and help track progress over time.

That idea became Plum Violin, an online tool designed to help people see what they owe, understand what to pay next, and work toward becoming debt-free.

Developed by Evercentr Digital Technologies, LLCThe company behind Plum Violin

From scattered bills to one plan you can follow.

  • See what you oweEvery card, loan, and buy now pay later balance in one list.
  • Know what to pay nextOne monthly plan, smallest debt first.
  • Watch it shrinkTrack progress until each balance hits zero.

Straight answer

Is Plum Violin right for you?

A good fit if you

  • Have several cards, loans, or buy now pay later plans
  • Want to be told exactly what to pay each month
  • Prefer not to connect your bank to another app
  • Like seeing quick wins as small balances disappear

Not the right tool if you want

  • Automatic syncing with your bank accounts
  • Debt settlement, consolidation loans, or credit counseling
  • A spending tracker with categories for every purchase

Simple membership

Start free. Keep going if it helps.

Every plan begins with the same 7-day free trial. Afterward, choose monthly or save with the Founding Member annual plan.

Everyone starts here

Free trial

$0 for 7 days

No card needed

  • Add all your debts
  • See your payoff plan and debt-free month
  • Use every feature, including Grace
  • After 7 days, your plan stays readable
Start my free 7 days

Nothing to cancel if you don't continue

Monthly

$6.99 a month

After your 7-day trial

  • Your full payoff plan, updated every month
  • Due-date schedule and payment log
  • Progress chart and debt-free month
  • Ask Grace questions about your plan
  • New tools included as they launch
Start free, then $6.99/month

Cancel any time from Account & billing

Founding MemberSave 53%

Founding annual

$39 a year

About $3.25 a month, after your 7-day trial

  • Everything in Monthly
  • Your $39 price stays locked as long as you're a member
  • Regular annual price will be $59 once the full toolkit ships

Coming to every member, one at a time

Loan calculatorMortgage payoff plannerAdvanced budgeting
Start free, then $39/year

Cancel any time from Account & billing

What happens when

Compare plans side by side →

  1. Today

    Start free. No card needed.

  2. Day 5

    We email you: 2 days left in your trial.

  3. Day 7

    Your trial ends, and we email you that day. Choose a plan, or simply stop.

  4. First charge

    Only if you choose a plan: $6.99 monthly or $39 yearly.

  5. After that

    Renews monthly or yearly. Cancel any time in Account & billing.

First chargeOnly after your 7-day trial, and only if you choose a membership.

If you don't joinYour saved plan stays readable. Editing needs a membership.

Your moneyPlum Violin never connects to your bank or pays creditors.

Separate feesMembership is for the app only, apart from what you pay creditors.

Questions people ask

Before you start

When is the first charge, and what is the renewal?

Nothing is charged during your 7-day trial. If you choose Monthly, you pay $6.99 after the trial and each month after. If you choose Founding annual, you pay $39 after the trial and $39 each year after, for as long as your membership stays active.

How do I cancel?

From Account & billing, any time. Cancel before your trial ends and you are never charged. Cancel a paid plan and you keep editing until the end of the period you already paid for.

What happens to my plan if I don't subscribe?

It stays saved in read-only mode. You can still view it, export your data, and manage or delete your account. Editing resumes whenever you choose a membership.

What are the trial choices?

Every plan starts with the same 7-day free trial, with no card needed. When it ends, choose Monthly at $6.99 a month, choose Founding annual at $39 a year, or simply stop. Your plan stays readable either way.

Does Plum Violin pay my creditors?

No. Plum Violin never sends money or connects to your bank. You pay each creditor the way you do today, then record what you paid so your plan stays accurate.

Which debts does it support?

Credit cards, conventional personal installment loans, and buy now pay later purchase plans. Accounts with deferred interest or an unknown rate can be tracked, but the plan will tell you the forecast is incomplete rather than guess.

How accurate is the payoff date?

It is an estimate. Interest is estimated monthly as your APR divided by 12 on the opening balance, assuming no new charges and unchanged minimums. Your creditor's exact billing will differ a little.

Can I export or delete my data?

Yes. Export a full copy any time from Account & billing, and delete your account (and everything in it, including uploaded files) with one confirmed action.

How are statement photos handled?

A photo you use to fill in fields is read once to extract balance, rate, minimum, and due date, and is not stored. You confirm every field before saving. Files you choose to save in your account are stored privately until you delete them. A photo may contain your account number, so crop or cover it if you prefer.

See your debt-free month tonight.

Set up your debts in a few minutes. Free for 7 days, no card needed.

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