Plan what you pay later.

Lastly is a private debt tracker built around one question: can I afford this? Most money apps tell you where your money went, once it's already gone. This one asks earlier. Record buy now, pay later plans, no-interest store financing, credit cards, loans and one-time bills, and see every payment schedule side by side — not whatever view each lender wants to show you.

Don't fall into the pay-later trap
Each plan feels small on its own: four payments here, a subscription there. That's exactly how the total slips out of sight. If you've stopped adding them up, this is for you. Lastly is a debt manager that keeps every BNPL plan in one view beside everything else you owe, so what you've already committed to is never a surprise.

"Can I afford this?"
You're looking at something in four payments, and the first one is small. Before you say yes, see it against everything you already owe — a warning if any month would go over the limit you set, and the first date it fits if today doesn't.

Five kinds of debt, one ledger
• BNPL — Pay in 4 or any number of payments
• No-interest "paid in full by…" installment plans
• Credit cards and store cards
• One-time bills
• Payment plans: a loan, tuition, or anything with a set number of payments
Got a pay-later confirmation in your inbox? Share it to Lastly and the form fills in for you to check and save — read on your device, never uploaded. Bills, subscriptions and savings goals get a place of their own, so the calendar shows your whole month, not just what you owe.

A deadline you can't miss
"No interest if paid in full by…" carries a catch: miss the date, and interest can hit the whole balance — backdated to day one. Lastly plans backward from that date, keeps "0% until …" pinned on the debt, and gets louder as the deadline closes in with money still owed.

A card you plan for, not react to
A store card makes spending feel weightless: nothing is due today, so every purchase quietly joins a statement you haven't seen yet. The card's payment goes in your month with everything else and counts against your limit, so the statement never arrives unplanned. Confirm the balance once a month and stay in charge. Still deciding on a purchase? That's what "Can I afford this?" is for.

A timeline that tells the truth
Tap any date to see what's due, what's overdue, and where your month stood. Record your paydays and they sit on the same calendar as every due date, so you can see what falls before the next one. Add a debt you've been carrying for months, and every payment counts on its real due date. History stays honest.

A budget you set: your debt ceiling
Decide how much you can put toward debt payments each month. That's the limit the rest of the app plans around. The dashboard shows how much of this month's budget has come due, paid or not — and it resets every month, like a budget should.

Less to remember
Plans that charge automatically can mark their installments paid. Anything overdue is flagged everywhere you look. And if you want one, a morning reminder: a single notification, only when something's due, overdue, closing in on its 0% deadline, or it's payday.

Private by design
Your debts stay on your phone. No account, no server, no sign-in, no bank linking. If you want more, it's there: lock the app behind your phone's own screen lock, back up weekly into a folder you choose, and seal that file with a passphrase only you have. And a privacy report inside the app shows exactly what's stored and what leaves your phone, so you don't have to take our word for it.

Free. Every debt. One view. Your terms.