An iPhone app that helps you pay off credit cards and loans
Type in what you owe. Circled works out the day it ends when you pay one fixed amount every payday — and shows you that date before you pay for anything.
Launch news by email — unsubscribe anytime. · iPhone, iOS 18+ · 7-day free trial
The trap
Pay only the minimum and a credit card is built to keep you paying for years. The balance barely moves; the interest keeps coming. Circled does the opposite. You pay the same amount every payday. When one card is paid off, its payment moves to the next card. Keep going and you get something a minimum payment never gives you: a finish date.
How it works
Credit cards, buy-now-pay-later plans, car and student loans — call them what you call them. Under two minutes. No account, no bank connection. Your plan stays on your iPhone.
Circled works through your plan payday by payday: the same payment every time, and when a card is paid off its payment moves to the next one. It circles the day it all ends and shows the total interest before you decide anything.
Day to day, two taps per purchase — Circled shows what’s left until payday, so the fixed payment is always covered. On payday, 30 seconds: confirm the payments went through, and if real life changed the numbers Circled recalculates and gives you a true new date. That’s how you keep it circled.
The schedule
A list, payday by payday: what to pay on each card, which payday clears which card (it gets a ○ when it does), and the last line — everything paid, with a real date on it.
Features
Paid monthly, twice a month, every two weeks or weekly — the plan follows your real paydays.
Amount, category, done. A daily reminder that stays quiet on days you've already logged.
After a one-time setup Circled walks you through, purchases you make with Apple Pay can log themselves. You just pick the category.
Point the camera at the bill. Circled AI reads the total and the shop, you confirm, and it’s logged — lunch takes one tap.
“What did I spend most on last month?” “What if I cut eating out by $100?” Answers from your own numbers, with the date they imply.
Rent, subscriptions, the car payment. A payment that ends next year counts as ending next year.
Bonus, side gig, a hand from family — record it, choose which debt it goes to, and watch your date move closer.
A stamp for every payday, a seal for real milestones. No streaks to lose, no fake prizes.
Privacy, stated plainly
Circled never asks for a bank login, and your plan — every balance, payment and date — lives on your iPhone, not on a server of ours. Circled AI is the one thing that leaves the phone: a receipt you scan, or a question you ask together with the spending it needs, goes to Circled’s server and the AI service behind it to be read, then comes back. Circled doesn’t keep it.
Your plan lives on your phone.
Pricing
Circled is an app you use yourself — nobody at Circled touches your accounts or talks to your lenders. Two plans, both with a 7-day free trial:
7-day free trial on both plans — no payment due today
For paying off your cards and loans by a date you can see.
Join the launch listIncludes:
For logging in seconds and asking questions about your own numbers.
Join the launch listEverything in Circled, and:
Yearly plans are billed once a year: $71.99 for Circled, $95.99 for Circled AI.
Your date is yours free, forever. Without a subscription — after the trial — your circled date, plan and schedule stay on screen, view-only.
With a subscription: payday check-ins, spending log, Apple Pay logging, reminders, recalculation, editing your plan — and with Circled AI, receipt scanning and Ask Circled AI.
Billing goes through Apple. After the free week the plan you picked starts unless you cancel in your iPhone settings.
Questions
No. Circled is a plan you follow. Each payday it tells you what to pay on which card and the day you’ll be done; you make the payments the way you do now.
No — by design. You type your balances once and confirm them each payday; it costs about two minutes and means no bank credentials, no aggregator, and your plan is never uploaded. The payday confirmation is also the point — a plan you touch is a plan you keep. If we ever offer a bank connection, it will be optional, off by default, and never required to keep your date.
Only what you send it. A receipt you scan, or a question with the spending summary needed to answer it, goes to Circled’s server and on to the AI service we use, is read, and comes back. Circled doesn’t store it, and the service’s business terms rule out using it to train their models — the provider, what it receives and how long it keeps logs are spelled out in the privacy policy. Your plan itself — balances, payments, the date — is never uploaded. The Circled plan has no AI features at all.
Credit card balances you carry month to month, buy-now-pay-later and installment plans, overdrafts and credit lines, and loans — car, student, personal. Each kind is calculated the way it really works, with the names used in your country.
It helps. Your statement or your card’s app shows the rate (APR). If you don’t have it, Circled starts with a typical rate for that kind of debt in your country and you can correct it later.
Deliberately excluded from the debt plan — a 30-year loan would make any "debt-free date" meaningless. Track it as a fixed bill with an end date instead; your circled date is for debts you can actually finish.
No. Circled is planning software: it computes what your own numbers imply under fixed payments. It doesn't recommend products, negotiate rates, or promise outcomes. For advice about your situation, talk to a qualified adviser.
At launch, yes — iPhone with iOS 18 or newer, in nine languages: English, Japanese, German, Dutch, French, Swedish, Norwegian, Danish and Arabic. Android follows after the iPhone app is stable, not in parallel; we’d rather ship one excellent app than two mediocre ones.
Nothing bad. The app switches to view-only: you can still see your date and plan, the tools lock. Your plan stays on your device, and you can save it as a file whenever you want.