How it works
Card companies spend billions to get you spending. Bill Router points the same math the other way: stop losing money, collect what you are owed, and let it grow.
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The rule: pay every card in full
Card interest runs 20% to 30% a year. No reward survives that, so nothing below works while a balance is carried.
If you carry one, the plan starts by paying it off, highest rate first. The calculators will not suggest new cards until then.
- 1
Plug the leaks
Type in ten numbers: pay, housing, bills, spending, subscriptions, fees, any card balance. No bank login.
See every leak with its yearly cost and the fix, and what you could invest each month once it is plugged.
Run the leak check - 2
Earn from the bills you already pay
Pick the companies you pay. For each, we check its own payment page: does it take cards, and at what fee?
Each bill gets a verdict: put it on a card, use a card only to reach a sign-up bonus, use a housing program, or keep it on your bank account because the fee costs more than the card pays.
Route your bills - 3
Grow your Freedom fund
Send what you stopped leaking and what your cards pay you into investments, automatically, every month.
See your freedom number (the fund that covers your spending), the age you reach it, and how much your cards paid for, in today's dollars.
Open the Freedom calculator - 4
Check in once a month
With a free account, your plan is saved and your dashboard tracks what your cards paid you, what you invested and where the fund stands.
Two minutes a month keeps it honest. We never connect to your bank; you type the numbers.
Create a free account
Want to see it play out over 25 years?
Maya’s story follows one fictional person through all four steps, from leaking at 25 to having the choice at 50, with every number calculated. Read Maya’s story.