Altero helps you cut your monthly payment with a clear, realistic plan.

Bring all loans into one place, test refinancing, and lock a strategy you can actually follow - while all calculations run on your device.

What you can do with Altero:
• Unify your loans in one dashboard (balance, rate, term, due dates, current payment).
• Optimize payments to lower the monthly burden or speed up payoff - see the new payment and per-loan allocations.
• Test refinancing scenarios (amount, rate, term) before you talk to a bank.
• Generate a printable PDF report with your new monthly payment, allocations by loan, schedule highlights, and warnings - share via the iOS share sheet or bring it to your bank.
• Stay safe with warnings: minimum-payment checks, threshold alerts, and sanity validations before you commit.
• Set payment caps & discipline rules so the plan fits your budget and you can stick with it.
• Track progress with clear timelines and payoff dynamics as you go.
• Keep your data private: no account, no cloud sync—calculations are performed on-device.

Why it works
Altero focuses on one thing: a plan you can follow. You get concrete numbers (new monthly payment, per-loan allocations, dates), guardrails that prevent mistakes, and simple tools to test “what-ifs” until the plan fits your life.

Privacy & pricing
No sign-in. No data leaves your phone.
Pay only when you run full optimizations - transparent, pay-per-use credits (free trial included).

Altero is a planning tool and does not provide financial advice. Always consider your personal circumstances and consult a qualified advisor if needed.