Connected Debt Overview
Link accounts through Plaid and see discovered liabilities, balances, minimum payments, and sync status in one place.
Rebuilding now for iOS and Android
See your debts clearly, compare payoff scenarios, and build a healthier financial future.
Sem helps you understand what you owe, how your payments affect your timeline, and what it could take to become debt free.
Sem is being rebuilt for a better debt payoff experience. Updated store releases are coming soon.
Debt Overview
Synced
Total liabilities
$24,860
Minimum due $640
Overdue $0
Student Loan
$15,200
Projected payoff: 3 years, 8 months
Credit Card
$4,980
Add $150/month to save an estimated 11 months
Compare payoff scenarios
Minimum
48 months
Extra $150/mo
37 months
Target date
$725/mo
Financial health, without the spreadsheet feeling
A calmer way to understand debt.
Sem is focused on connected debt clarity, payoff projections, and future goal-based planning for everyday users.
MVP focus
Built around the questions debt creates.
Payoff Projections
Compare minimum-payment timelines, extra monthly payment scenarios, and target payoff date options.
Debt Details
Open individual liability screens to understand payoff-related details and how each debt contributes to the bigger picture.
Goal Planning
Coming soon: save payoff projections as goals, track progress, and plan future savings or non-debt financial goals.
Trust and infrastructure
Secure account connections, handled through the backend.
Sem uses Plaid as the secure account connection provider. Firebase Authentication, Cloud Functions, and Firestore support user accounts, server-side processing, and cloud-stored debt snapshots.
Plaid connections
Used for institution linking, balances, and liability data.
Backend token handling
Sensitive Plaid tokens are handled server-side, not exposed to the mobile client.
User-owned views
Authenticated users access their own Sem account and connected debt data.
Coming next
The broader financial health path.
Saved debt goals
Goal progress tracking
Notifications and reminders
Better dashboard experience
Future cash-flow insights
Possible Flutter web app
Beta access
Want to follow the rebuild?
Join the beta list and get updates as the new Sem debt payoff experience gets closer to release.
Join the beta
Existing store listings may not reflect the rebuilt MVP until the new release is published.