Flagship feature
0% balance transfers, without the cliff at the end.
Here’s how a 0% balance transfer works, in three sentences. You move a balance from a high-interest credit card to a new card offering 0% APR for the next 12-21 months. While the promo runs, every dollar you pay goes to principal, not interest. Done right, it can save you thousands.
Here’s the catch. When the promo ends, the rate snaps back to 20-29% APR. Any balance still sitting there starts costing you real money fast — and on some cards, interest gets charged retroactively, on the entire original balance. The deadline that decides all of this lives in the cardholder agreement PDF you signed at the bank, which is why Mint, Simplifi, Monarch, and Quicken don’t see it. We built GlidePath so you never miss it.
For every active BT, you see
- Days remaining until your 0% expires — color-coded by urgency.
- Monthly payment needed to clear the balance before the promo ends.
- Post-promo APR displayed alongside, so you know exactly what you're racing.
- Action queue on the home page surfaces the ones running out of time first.
- Expired-promo warnings — if interest started accruing, you'll see it that day.
- Paydown progress auto-derived from your account-balance history. No double-entry required.
Caught a missed deadline the first month it was used, which paid for the tool many times over. Not because the customer did anything wrong — because no other tool surfaces the date.
Strategy comparison, side by side.
Avalanche (kill the highest APR first), snowball (kill the smallest balance first), and promo-aware (kill cards whose 0% is about to expire) — the simulator runs all three month-by-month and shows the dollar difference between strategies.
The simulator marches month-by-month, applies the right APR (including 0% promos and post-promo cliffs), and shows you the dollar difference.
The right strategy depends on what cards you carry — and you only know when you see all three at once.
Why nobody else tracks this.
Three reasons, none of them mysterious — they just add up to "the deadline you most need to know about is the hardest one to find."
The aggregators can't see the date.
Mint, Simplifi, Monarch, and the rest get their data from Plaid — a service that pulls your transaction list and your current balance from the bank’s online portal. That feed never includes the promo expiration date or the post-promo APR. Those numbers live in the credit card terms PDF you got at signup, which Plaid doesn’t read.
Your bank knows, but doesn’t make it easy.
The bank knows exactly when your promo ends. They mention it once on a statement PDF and trust you to remember for the next 12-21 months. Most people have enough going on that reading every statement PDF every month isn’t realistic. GlidePath is the system that remembers for you.
The math is bigger than it looks.
A $9,000 balance carried past a promo at 22.99% means roughly $2,000 a year in interest you weren’t planning to pay. Over a few promos and a few years, that’s a noticeable chunk of your savings rate — easily worth one well-placed deadline reminder.
Catch the next expiration before it costs you.
$129 one-time. Unlimited cards and BT promos. Stop paying any time and the app keeps working — your data is yours forever.