Early access is free while we build it with you

The month your minimum payments stop leaving, and start staying.

No loan, no consolidation, no new balance. Rumbo takes the little bit extra you can spare, aims it at your smallest balance first, and shows you the month you are free.

Join free early access See your numbers
Free while we are in early access, then about $14.87 a month, and we will ask you first · Crisis help is always free
The proof

Where your money goes, in three pictures.

Gray is life inside the trap. Warm is life with Rumbo. Nothing here is a projection you have to take on faith, the math is right underneath each picture.

Money slipping away through a wall
1Today

Most of your payment never touches the debt.

interest, pays for nothing
actually clears the debt
2With Rumbo

One small extra, aimed at the balance you can clear first.

Every square below is one month of payments. Same debt, same income, just pointed well and never missed.

Minimums only
Two trails leaving a house, one long and one short
A jar of money on a kitchen table
3The month it ends

Nothing about your paycheck changes. The payment simply has nowhere to go anymore, so it stays with you.

Counted plainly, no growth or interest assumed.
Now the honest part. Show me the verdict for
Assumes your APRs stay the same, your minimums stay as entered, no new borrowing, and that the price after early access stays at today's $14.87. Your Rumbo plan fills your $500 cushion first; the date the app shows you includes those first paydays. An estimate to help you think, not financial advice.
What Rumbo is

Not a loan. Not another balance. A plan that runs itself.

You keep your accounts

Your money never touches Rumbo. Payments go straight from your bank to your lenders, on your schedule.

One extra, pointed well

We take the little bit extra you can spare and aim it at your smallest balance first, so you feel a win early and its old payment joins the next one.

A date you can see

From day one you know the month you are free, and it moves closer every time you stay the course.

How it works

Three steps, then it is off your plate.

A rough picture of the app while we build it, so you can see the shape of the thing.

Concept screens, not final product. Balances shown are the typical picture from above.
The trap

Minimum payments are built to last.

The everyday of it

The balances that never seem to end.

The card you only ever pay the minimum on

It has been the same balance for years. The minimum is comfortable, and that is exactly the problem. One small extra, aimed well, is what finally moves it.

Three balances, three due dates, no plan

You are paying all of them and getting nowhere in particular. Rumbo puts them in order, so every dollar lands where it clears a balance soonest.

Illustrative situations, not real customers.

The deal

Free now, and it has to earn the price later.

Early access membership
Freeuntil full release
Every feature, no card, no trial countdown. All we ask is that you tell us what is working and what is not.
  • ✓Every balance, planned and automatic
  • ✓Your free date, updated as you go
  • ✓Your $500 cushion, filled first
  • ✓Free crisis help, membership or not
At full release
About $14.87 a month, flat, and early access members keep that price for as long as they stay.

No percentage of your debt, no setup fee. We email you 30 days before the first charge and you opt in, so nothing starts by default. Cancel anytime.

Join free early access
The worth-it guarantee
It has to be worth more than it costs.
  • ✓Every month you see two numbers: interest you have avoided, and what you have paid us.
  • ✓If we ever cost more than we saved you, we refund the difference.
  • ✓If your plan stalls, billing stops until it is running again.
  • ✓Cancel in one tap, and keep your payoff plan to run yourself.
Our only income is your subscription. No fees from lenders, no cut of your debt, nothing sold about you.
Free help, for everyone

Buried by one bill? That part is always free.

If a single crushing bill, medical, legal, or a sudden emergency, is the thing pulling you under, Rumbo's help with it costs nothing, now or after release. No membership. No catch. We built this because it is right, not because it sells.

Free help you can use today

Programs for medical bills, electricity, water, food, and rent, plus ready-to-send letters that ask for the right things in the right words. No fee, and nobody pays us to send you their way.

If you are in crisis

You are not alone. Call or text 988, free, day and night. Dial 211 for local help with rent, food, and bills.

You hold the off switch
One tap in Rumbo cuts our access
Never paid by lenders
Your subscription is our only income
Not a lender
No new debt, ever
Free early access
No card, cancel anytime

Questions, answered plainly.

How do you make money?+

Only from subscriptions. We take no referral fees from lenders, no percentage of your debt, and we do not sell your information or show you credit offers. If that ever changed, it would change on this page first.

What does early access cost?+

Nothing. Every feature is free until full release, with no card and no trial countdown. In exchange we ask for honest feedback about what is working and what is not.

What happens when early access ends?+

The price becomes about $14.87 a month, flat. We will email you well before that starts and you decide then, so nothing begins charging you by surprise. Cancel anytime.

Does Rumbo touch my money?+

No. Payments go straight from your bank to your lenders on the schedule you approve. Rumbo has read-only access to see balances and build the plan.

Is this a loan or consolidation?+

Neither. There is no new borrowing and no single new balance. Rumbo simply makes your own extra payment consistent and well aimed.

What if the math does not work for me?+

Then the app tells you so, plainly, and shows the honest picture instead of a sales button. When paying down directly is the better move for you, that is what we say.

How fast will I be free?+

It depends on your balances, rates, and the extra you can spare. From day one Rumbo shows you an estimated month, and it moves closer every time you stay the course.

What if I have nothing extra right now?+

Then $0 is the honest number, and the app treats it that way: it starts from your real budget and never invents room you do not have. The moment a safe amount opens up, you will see it. Help with a crushing bill is free either way.

The decision

Pick the month your money starts staying.

Early access is free, and the people in it shape what Rumbo becomes. We will tell you where you are in line and email you when we can take you in. We never share your information, with anyone.

No card, no trial countdown. About $14.87 a month at full release, and we will ask you before that ever starts. Crisis help stays free either way.