Add a debt to ClarityTrack

To add a debt, open the Plan tab and click Add Debt. Enter the debt name, current balance, APR, and minimum monthly payment, then save. The debt appears in your payoff plan immediately.

How to do it

1. From the Dashboard, click the Plan tab.
2. Click Add Debt.
3. Fill in the form:
   • Name (e.g., "Chase Sapphire" or "Student Loan")
   • Starting balance (the original amount owed)
   • Current balance (what you owe today)
   • APR (annual interest rate, as a percentage)
   • Minimum monthly payment
   • Optional: payment URL (a deep link to your lender's payment page) and next due date
4. Click Save.
5. The debt appears in your debts list and is included in projections automatically.

Common questions

What if my APR changes month to month?

Enter the current APR. You can update it later if it changes. ClarityTrack uses the current APR in projections.

Do I need to add every debt manually?

You can import many debts at once from a CSV file instead. See debts/import-csv.

Can I just ask Clarity to add a debt for me?

Yes. From inside the app, ask Clarity something like "add a new debt called Chase with balance $5,000 at 18.99 APR and minimum payment $125." Clarity will preview the new debt and ask you to confirm before saving.

How do I delete a debt I added by mistake?

Open the debt detail page (click the debt name from the Plan tab) and use the Delete action. You can also ask Clarity to delete a debt by name; Clarity will preview the deletion and ask you to confirm.