Liabilities & Credit
Manage loans, credit cards, and payment schedules.
$12,450
$890
Visa Platinum
****4521
$2,350
/ $8,000
29%
Car Loan
Next payment: Mar 15
$10,100
$450/mo
Liabilities & Credit
Keep every loan, credit card, and line of credit organized in one place. See payment schedules, balances, and upcoming due dates.
- Track loan installments with amortization schedules
- Import credit card statements for automatic reconciliation
- See total debt across all credits at a glance
- Never miss a payment with due date reminders
Fixed installments
Variable balance
Car Loan
6.5% APR · 48 months
Mortgage
4.2% APR · 360 months
Visa Platinum
22.9% APR
$2,350
/ $8,000
Amex Gold
19.5% APR
$4,100
/ $12,000
Traditional & Revolving Credits
Wambai handles both types of credit: traditional loans with fixed installments and revolving lines like credit cards. Each type gets its own tracking flow — amortization tables for loans and statement-based tracking for cards.
- Traditional credits: fixed term, fixed installments, amortization schedule
- Revolving credits: credit cards with monthly statements and variable balances
- See interest rates, remaining terms, and total cost at a glance
- Track multiple credits of both types in a unified dashboard
Balance & Cost Over Time
Car Loan
Balance
$10,100
$5,300
Balance
$0
Balance & Cost Over Time
See exactly how your debt decreases and how much you pay in interest over the life of each credit. The balance chart shows principal reduction alongside cumulative interest cost — so you can visualize the true cost of borrowing.
- Chart showing remaining balance declining over time
- Cumulative interest cost plotted alongside the principal
- Compare what you've paid vs. what remains
- Identify how much of each payment goes to interest vs. principal
Extra Payment
$200/mo
Current Plan
With Extra $200/mo
You save
Principal Payment Simulator
What happens if you make an extra payment this month? The principal payment simulator lets you model additional payments to see how much time and interest you can save. Experiment with different amounts and see the impact instantly.
- Simulate extra principal payments on any credit
- See how much interest you save with each extra payment
- Compare original vs. accelerated payoff timelines
- Find the optimal extra payment amount for your budget
Statement Summary
Visa Platinum
Jan 15 — Feb 14
Credit Card Statement Summary
Every billing cycle, Wambai generates a clear summary of your credit card activity. See your opening balance, total charges, payments made, interest charged, and closing balance — all in one view. No more digging through bank PDFs.
- Automatic statement period summary for each card
- Opening balance, charges, payments, and closing balance
- Interest and fees broken out separately
- Compare spending across billing periods at a glance
Ready to Master Your Finances?
Join thousands of households using AI to stay on top of their money.