Payoff math starts with the statement fields.

A credit card statement can feed payoff math when the balance, APR, minimum payment, and due date are visible. The more complete the statement stack, the cleaner the comparison.

Quick answer

For payoff planning, scan current statements for each account. Lentara can read the debt rows locally and send them into the payment optimizer without uploading the file by default.

What to gather

• Current balance or new balance.
• APR or interest rate.
• Minimum payment due.
• Payment due date.
• Statement period and issuer name.
• Other debt statements for comparison.

Common blockers

• Only one account is scanned when the plan needs all debts.
• APR is missing or promotional.
• Minimum payment is not visible.
• Old statements are mixed with current statements.

Best next step

Scan all current debt statements, then open the optimizer to compare payoff paths.