Black, No Sugar

Clear debt payoff · Built for the household

Take back control.

Put your credit cards, loans, and mortgage into one clear picture. See what an extra payment actually changes, calculate projected interest savings, and find your estimated debt-free date.

Why BNS is different

Projections depend on the details you enter. You execute every payment yourself at your bank.

BNSAvalanche focus

Credit card balance

$18,400

APR 21.9%
Scheduled $460/mo
Custom extra payment +$150/mo
Estimated payoff3 yr 9 mo
Estimated interest$8,570

28 months earlier$6,333 less estimated interest.

Illustrative example: fixed 21.9% APR, no new purchases, and the same payment each month. Estimates are not advice.

Core payoff mathAlways Free
Your paymentsIn your control
Lender referral feesNever

A plan you can trust

3 steps to your custom payoff plan.

BNS keeps the math transparent beside the answer, so a shorter payoff date never appears without the exact numbers that produced it.

01

1. Enter what you owe.

Type in your balances, rates, and terms. Manual entry is all you need to run the math—no bank link required.

02

2. Test your options.

Try an extra $50, $200, or any amount in between. See what changes before you commit.

03

3. Take your plan and act.

Get a clear, 1-page summary of your numbers to follow when making payments or talking to your lender.

Free and Pro

The cost of free is discipline.
Pro reduces that cost.

Free answers the questions, you still do the work. Pro checks the rates, dates, and conditions that should not depend on memory.

Free

Run any calculation on demand.

Complete on demand
  • 01See remaining cost and projected payoff for every debt you enter
  • 02Test extra payments or compare a lower-rate offer you already have
  • 03Vehicle equity, GAP, and precomputed-interest true cost tools
  • 04Keep your starting baseline, confirmed progress, and Victory Cards

You can complete your entire payoff plan without paying BNS a cent or connecting a bank.

Pro

Keep important changes from relying on memory.

Recurring coverage

Catch rate, equity and fee changesQualified checks run on the cadence shown inside BNS

Keep card deadlines visibleStatement close, promo end and grace risks stay in view

Take a prepared summary into the conversationYour figures, ready for the bank or issuer you choose

Pro pays for scheduled checks and prepared summaries—not access to the core math.

Start free

Use the complete math first.

Add Pro later only if ongoing coverage earns its place.

Alignment you can inspect

We win when you do.

No lender pays to appear in a result, move up a ranking, or receive your contact details. BNS is built for, and depends on, you—the subscriber.

Read how BNS handles data
HouseholdChooses BNS
Subscription
BNSClear math. Timely checks. Prepared summaries.
No referral fee
Lenders & brokersNo paid influence

Your decision stays yours

BNS shows you the numbers. You decide what happens next.

See the tradeoff.Get your 1-page plan.Make the payment yourself at your bank.

Progress worth keeping

See your trajectory change.
Watch a new story unfold.

Victory Cards turn confirmed progress into a visual record. They stay private until you choose to share.

  1. 0%
    The storm fills the sky.Dark clouds blot the sun.
  2. 60%
    The cloud cover is breaking apart.More clear span than heavy cloud remains.
  3. 100%
    The sky is all clear.The dove crosses an open field of light.
BNS Victory CardAll Clear
100% of starting balance cleared

The sky is all clear.

The final cloud has parted, and the dove crosses an open field of light.

Simple by choice. Clear by design.Share only what you choose

Coming to iOS and Android

Start with clarity.

Create your free account now. We’ll send access when BNS onboarding opens.

Try the free budget tool

Early access

Create your free BNS account.

Start with your email. We’ll send access when onboarding opens—no bank details or debt balances needed.