Personal finance, quietly powerful
A quiet, methodical way to lower your credit card utilization and DTI — so the numbers on your report start working for you, not against you.
Utilization ratio
Across 4 revolving accounts
DTI
↓ 3 pts this month
Debt-free by
18 months at plan pace
Two numbers that decide almost everything
Lenders don't read your life story. They read two numbers, and those two numbers decide your interest rate, your approvals, and the terms you're offered for the next decade. RatioPro helps you move both.
The score mover
The percentage of your available revolving credit that you're using right now. It counts for roughly 30% of your FICO score — and unlike payment history, it can change in a single billing cycle.
Ideal: below 30% — under 10% is optimalThe approval gate
The percentage of your gross monthly income going to debt payments. Mortgage lenders, auto lenders, and personal-loan underwriters check this first. A number that's off by a few points can be the difference between approval and denial.
Ideal: below 36% — 28% for mortgage approvalThe method
Enter your credit cards manually — balance, limit, APR, due date, statement date. No bank credentials. No linking. Nothing leaves your device until you say so.
Your current utilization ratio, your DTI, the interest you're bleeding each month per card. The number you save by making one strategic payment. Everything the lender sees — but in one place, in your favor.
3, 6, 12, or 24 months. Enter what you can pay this month toward your cards. Keep it, change it, adjust it as your life allows. RatioPro will spread the payment across your cards in the exact order that moves your ratios fastest.
Payment reminders before statement dates. Milestones when your ratio crosses 50%, 30%, 10%. A projected date when you cross into debt-free. All the small wins, sequenced.
The average U.S. household with credit card debt pays $1,380 a year in interest alone. RatioPro exists so that money stays in your pocket — not in someone else's.
— Federal Reserve Consumer Data, 2025
What you get
Not "avalanche." Not "snowball." A method built around the number that moves your score fastest — utilization — and the exact reporting dates that make timing matter.
We don't ask for your bank credentials. Ever. Your card list lives on your device, encrypted. Privacy isn't a feature — it's the foundation.
Cards report to bureaus on specific days each month — often before the due date. Pay a day too late and the ratio locks in. RatioPro reminds you before it matters.
"If I pay $500 to this card, what happens to my ratio? To my projected score? To my debt-free date?" See it before you spend it.
Set an amount for this month only. Set an amount that changes every month. Set one for the next three. Life shifts. Your plan should shift with it.
Ratio drops below 50%. Then 30%. Then 10%. A card paid off. A month ahead of pace. Small acknowledgments, sent by text or email — nothing loud.
Now in private beta
RatioPro opens in phases. Sign up to reserve your spot and get invited when the next cohort opens — with founding-member pricing locked in for life.
One email when your invitation is ready. No marketing, ever.