How it works

Runway turns your balances and cash flow into a month-by-month debt payoff plan.

You enter the debts you are paying off, your available monthly debt budget, and any extra payments you want to test. Runway then compares strategies, projects payoff timing, helps you track real progress, and gives you Copilot support when you need help interpreting what changed.

1. Add the balances that matter

Runway starts with balances, APRs, and minimums instead of generic debt totals.

2. Compare strategy options

Snowball, avalanche, and custom ordering all run against the same underlying debt budget.

3. Ask Copilot when the plan needs explanation

Runway Copilot can interpret progress, model a plain-English scenario, or surface the next best move without replacing the payoff engine.

4. Track the plan against real payments

Month-by-month tracking helps you see where the projection matched reality and where it moved.

What the planner is actually doing

It projects interest and payoff timing from your entered balances and APRs.
It respects your minimum payments before allocating extra money.
It compares payoff order without changing the core budget assumptions.
It lets Copilot interpret plan context while the Runway engine stays in charge of the math.
It updates the projection when a tracked payment changes the real plan.

Where Copilot fits into the workflow

Copilot is useful when the numbers are already there but the next move is not obvious. It can explain why a payoff date moved, turn a plain-English change into a scenario, suggest the next best action, or help you evaluate refinance questions against the plan you already built.

Why this public explanation exists

Debt payoff planning is a trust-sensitive category. The public site explains what Runway calculates, what it does not promise, and where to review the assumptions behind the product before someone signs up.