Senaro – Credit card payoff calculator with separate APR tracking

Summary: Senaro is a free web app that tracks credit card debt by separating purchase and cash advance APRs, allowing users to see how extra payments affect their payoff date. It compares Avalanche and Snowball strategies using real data and provides a detailed month-by-month breakdown of payments and interest.

What it does

Senaro lets users add multiple credit cards and tracks purchase and cash advance rates separately to reflect actual bank charges. It compares payoff strategies side by side and shows interest savings and payment allocation over time without requiring signup or data uploads.

Who it's for

It is designed for individuals managing multiple credit cards with varying APRs who want precise visibility into debt payoff and interest costs.

Why it matters

Senaro addresses the problem of inaccurate payoff calculations by accounting for separate APRs and payment allocation, helping users avoid prolonged high-interest debt accumulation.