Kapitech: Budget & Debt Payoff

1. Download and sign up, then set your currency and start a new budget. 2. Add income and create spending categories; assign planned amounts or use zero-based budgeting to give every dollar a job. 3. Enter each debt with balance, APR, and minimum payment; choose Snowball or Avalanche to generate your payoff plan and timeline. 4. Record transactions as you spend and pay bills; schedule due-date reminders to avoid late fees and adjust categories as needed. 5. Set savings goals or sinking funds, review reports and progress, and fine-tune your budget and payoff strategy each month.