Balance your household.
Master your debt.
Equili is the calm, elegant home for every bill, card, and pay-cheque in your house. Upload images, get AI-driven payoff plans, and watch your balance fall — together.
Combined household debt
$18,420
Chase Sapphire
APR 22.4%
$5,820
Student loan
APR 6.1%
$9,450
Store card
APR 29.9%
$3,150
Avalanche strategy pays off 7 months sooner and saves $1,486 in interest.
Everything in one place
A finance HQ for your whole household
Track bills and cards, upload images for instant capture, and get AI-powered payoff plans — all with household views for you, your partner, or both.
Bills & utilities
Record every bill with payee, amount, due day, and notes. Upload the image and we'll fill in the rest.
Cards & debts
Credit cards, loans, lines of credit, and mortgages — track balances, APR, and minimum payments.
AI debt optimiser
Compare snowball, avalanche, and hybrid strategies with month-by-month projections.
Income & budget
Income sources, monthly budgets, and AI-powered income maximisation suggestions.
Household views
Toggle between individual, partner, or combined joint views at any moment.
Reports & metrics
Beautiful charts for net worth, debt progress, category spending, and more.
Capture
Snap a picture of a bill or card. OCR extracts payee, amount, APR and more so you don't have to type.
Optimise
Equili simulates snowball, avalanche, and hybrid payoff paths and recommends the one that saves you most.
Act together
See your finances as an individual, your partner's, or combined — with shared goals and encrypted sync.
Pricing
Simple, household-friendly plans
Start free. Upgrade whenever it helps you pay off debt faster.
Get organised
Free
Track up to 5 bills and 2 cards. Perfect for getting a clear picture.
- Up to 5 bills or utilities
- Up to 2 credit cards / debts
- Individual view only
- Basic reports
Unlock the optimiser
Pro
or $69/year
Everything you need to pay down debt faster and take back your time.
- Unlimited bills and debts
- Snowball, Avalanche & Hybrid optimiser
- OCR bill & card capture
- Advanced reports & forecasting
- AI income maximisation coach