Help & Guide
What each number on the BFOD.us dashboard means — the debt-free date, the next six weeks, and the recap when a pay period closes.
They're your “north-stars” — one for Debt, one for Savings, one for Giving. Each rolls everything in that area into a single date and a curve you can watch move as you make progress.
The Debt card leads with “months to debt freedom”; the Savings and Giving cards show a “fully funded by” date for your whole set of goals.
Each dot is a milestone — on the debt curve it's the month a specific debt clears (bigger debts get bigger dots); on the savings/giving curve it's when a goal is fully funded.
Hover or tap a dot to see which debt or goal it is and its date. Anything landing in the same month shares a dot.
The left edge is anchored to where your journey actually began — the earliest month you started tracking that debt or goal — so the line shows the ground you've already covered, not just what's ahead. If nothing has aged a month yet, it starts at Today.
The Debt card shows once you have debt that actually pays off; the Savings and Giving cards show once you have at least one goal with a target date. They stack in priority order, so you can see all three at once.
When a pay period closes — the day the next paycheck's period begins — BFOD looks back at the one that just ended and, if every line it owed was settled, shows you a short recap of what that paycheck did: the bills it covered, what went to debt, and anything you set aside or gave.
The bar chart across the top is that period itself. The tall mark on the left is the paycheck that funded it, and each bar is a line that settled, placed on the day it fell and sized by what it cost — so you can see the shape of your fortnight at a glance.
It reads your plan and changes nothing. It never moves a bill, never marks anything paid, and never touches a month or a total.
It only appears when the period that just ended settled cleanly: every line it owed marked Posted, and at least one line actually owed. If a bill slipped, or you left something on Automatic without confirming it, BFOD stays quiet rather than congratulating you on a period that didn't go to plan.
It also never repeats. Each pay period is recapped once, and the very first period after you start using BFOD is skipped — you weren't here to watch it happen.
Tap “Don't show these again” on it, or switch it off any time under More → Alerts & pop-ups → Paycheck recap.
Turning it off doesn't change anything about your plan — your bills, periods and totals all work exactly the same, you just won't get the pop-up.