The method
RatioPro is built on a simple idea: the two ratios lenders watch — utilization and DTI — respond to structure faster than they respond to hope. Here is exactly how the app helps you build that structure.
Enter each of your credit cards manually. For each card, we ask for five pieces of information — nothing more.
No bank credentials. No screen-scraping. No third parties pinging your accounts. Your card list lives on your device, encrypted at rest.
You can add a card in about 40 seconds. Most people add all their cards in under 10 minutes.
What we ask for
The moment your cards are in, RatioPro shows you the exact number lenders are looking at — not a rounded estimate, not a vague summary.
Your current credit utilization ratio, per card and overall. Your debt-to-income ratio if you've entered your income. The interest you're bleeding on each card this month. The card that's dragging your score down the most.
This is the moment most users describe as "clarifying."
Example screen
"Your utilization is 62%. Card 3 is doing the most damage — it's at 94%. Bringing that one card below 30% could move your score 20–35 points in the next reporting cycle."
What you'll see
Pick a plan length. 3, 6, 12, or 24 months. RatioPro will show you the monthly payment required for each pace — so you can pick the one that fits your reality, not someone else's spreadsheet.
Then set your budget: what you can pay toward your cards this month. Set it for one month only. Set it for the next three. Change it as your life changes. Life shifts. Your plan shifts with it.
The math we do
Once your plan is live, RatioPro moves to the background. You get a text or email a few days before each statement date so you can make the payment that matters. You get a small acknowledgment when a milestone lands — 50%, 30%, 10%, card paid off.
You get one dashboard that shows two things: where the ratios are today, and where they're headed if you keep going. That's it. No dopamine loops. No streaks to break. No dark patterns.
The goal is to help you stop needing an app to do this at all.
Example alert
"Card 2 statement closes in 3 days. A $340 payment before then keeps this card under 30% and locks in your ratio for the next 30 days."
What you'll receive
Ready when you are
Join the waitlist for early access. We'll send an invitation when the next cohort opens.
One email when your invitation is ready. No marketing, ever.