Tally: Credit Card Debt Payoff Planner & Pay Bills for Android

Tally: Credit Card Debt Payoff Planner & Pay Bills is a free productivity app designed to help users manage and pay off credit card debt. It serves as an automated debt manager, calculating monthly payment amounts to effectively reduce credit card balances. The app consolidates information from various credit cards, allowing users to track balances, interest rates, and due dates in one convenient location. Notably, Tally also offers an auto-pay feature to prevent missed payments and overdraft fees, making it easier to stay on top of finances.

However, Tally is subject to restrictions, as it is available only in select states in the U.S. and works with specific banks and credit cards. To access its services, users must have a FICO score of 660 or higher, and the app analyzes credit history and spending habits during the sign-up process. Once qualified, users can benefit from lower annual percentage rates (APRs) that may help save money on interest payments.