Highest Interest First
Put every spare dollar toward the debt with the steepest APR while keeping minimums current on the rest. Mathematically, this usually costs the least.
- Lowest total interest
- Best for disciplined planners
How it works
A smarter order of attack
BurrowUp doesn't lend you money or roll your debts together. It helps you decide where each payment does the most good — and keeps you moving until every balance is gone.
Map what you owe
Add each debt with its balance, interest rate (APR), and minimum payment. You enter the numbers yourself — we never ask for bank or card logins.
Choose a monthly amount
Tell us the total you can put toward debt each month. Anything above your minimums becomes your “extra” — the engine that speeds everything up.
Compare three paths
Our AI models highest-interest-first, smallest-balance-first, and a quick-win hybrid, showing your debt-free date, total interest, and payoff order for each.
Roll payments forward
When a balance hits $0, its payment rolls into the next target automatically in your plan, so your payoff power grows with every win.
Get nudges that help
Opt in to text reminders before due dates, milestone alerts when you close an account, and a monthly progress recap. Reply STOP anytime.
What the AI actually does
It runs your numbers month by month under each strategy, flags any debt whose minimum doesn't cover its interest, and recommends the plan that balances total cost against how quickly you'll see your first payoff. As you update balances, it re-ranks.
What we never do
No loans. No debt consolidation. No debt settlement. No credit pulls. No negotiating with your creditors. BurrowUp is a planning and accountability tool — you stay in control of every payment.
Text reminders (optional)
BurrowUp sends recurring automated service updates and account notification texts only to users who opt in. Message and data rates may apply. Msg frequency varies. Reply STOP to opt out or HELP for help. Your number will not be shared with third parties or affiliates. Carriers are not liable for delayed or undelivered messages. See our SMS Terms and Privacy Policy.
The three strategies
Side by side
Smallest Balance First
Wipe out the smallest balance first, then roll that payment into the next one. Each closed account builds momentum you can feel.
- Early, visible progress
- Fewer bills, sooner
Quick-Win Hybrid
Our AI picks off the balances you can clear in a few months, then turns your full payment on the most expensive APR. Motivation and savings, together.
- Tailored to your numbers
- Re-ranks as balances change
FAQ
Common questions
No. We don't offer, arrange, or refer loans, consolidation, settlement, or credit counseling. BurrowUp is a free planning tool that helps you pay down the debts you already have, in the order that works best for you.
Highest-interest-first usually saves the most money. Smallest-balance-first gives faster wins, which helps many people stick with it. The hybrid blends both. The planner shows the real difference for your numbers — often it's smaller than you'd expect, so pick the one you'll stick with.
No. You type in your balances, rates, and minimums. We never ask for bank, card, or loan account logins or account numbers.
Only if you opt in at sign-up: payment reminders, payoff milestone alerts, and account notifications. Msg frequency varies; message and data rates may apply. Reply STOP to any message to opt out, or HELP for help. You can also use our unsubscribe page.
No. BurrowUp provides educational estimates based on the numbers you enter. Actual results depend on your lenders' terms and your payment history. Consider speaking with a qualified professional about your specific situation.