Stay out.
A budget tool that respects your intelligence. Real payoff math against your real accounts, no gamification, no made-up numbers to make the pitch sound better, and just the right amount of shame.
Not another envelope app.
The burn-down
A real payoff simulation against your real balances. Move a payment number and watch the date move with it.
Every account, one place
Connect a bank through Plaid or import a CSV by hand. No spreadsheet gymnastics, no double entry.
Receipt Debt Insight
Snap a receipt at checkout. See what was essential and what wasn’t, and what redirecting the flagged part would do to your payoff date.
Honest analysis
A spending breakdown computed from your own transactions. Nothing here is illustrative.
I built Back in Black after a few years of my own credit-card debt quietly talking me out of decisions I actually wanted to make. It's the tool I wish I'd had while I was staring at that balance instead of my future.
We don't sell your data. We don't share it with advertisers. Bank credentials never touch our servers: Plaid handles those, and we only ever get a token. Read the full privacy policy