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The Debt workspace combines balances, minimum payments, due dates, and payoff scenarios. It is a planning tool; your lender remains the source of truth for balances, rates, and required payments.

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Add a debt

You can create a debt manually or choose Import from connected account when an eligible credit or loan account already exists in Miyo. Enter or confirm:
  • Current balance.
  • Standard APR and any promotional APR end date.
  • Minimum payment.
  • Due day.
  • Credit limit for utilization calculations.
An imported account can supply balance context, but you may still need to add the minimum payment, due date, and APR from the latest statement.

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Choose a payoff strategy

Enter a Monthly debt payment budget at or above the total minimum payments. Miyo estimates a payoff date, order, suggested payment, and interest difference from a minimum-only scenario.
Payoff results are projections, not lender quotes or financial advice. Variable rates, new purchases, fees, compounding methods, payment timing, and missing data can change the real outcome.

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Record a payment

Use the debt’s payment action to record the amount and any available principal, interest, or fee detail. This updates Miyo’s ledger and balance history.
Recording a debt payment in Miyo does not send money to the lender. Make the real payment through the lender or your bank.

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Household privacy

When a debt is shared, your partner can see the due-date rhythm needed for household coordination. Miyo keeps private strategy details such as APR, utilization, promotional rates, notes, and payoff math out of the partner view.