Koyxo

Quiet loan paydown

Pay off your mortgagefasteralmost without noticing.

One calm place for every serious loan.

Tiny amounts drift into a pot for each debt, so the balance drops while life stays the same. Built for individuals, couples, and busy households, not spreadsheet warriors.

Get the appTry the calculator

  • 4

    loan types in one rhythm

  • 1 tap

    to pause everything

  • 100%

    ledger you can read

Same quiet rhythm whether you owe on one loan or four,see how it works.

How it works

Small money in. Bigger clarity out.

Each loan gets its own lane, a pot that fills quietly, then pays your lender automatically once the pot clears the threshold you set. No mystery bucket, no spreadsheet Sundays.

Pause in one tapConsent per accountLedger you can read
See the full walkthrough
  1. 1

    Name the debt

    Balance, rate, lender, the basics. Nothing heroic.

  2. 2

    Grow the pot

    Top-ups land in one place per loan. You set how much life can spare.

  3. 3

    Cross the line

    Hit your threshold and we route funds to your lender, with a trail you can trust.

Illustrative flow, real rules, caps, and lender quirks still apply.

You

Linked current account

Consent & limits you control

Partner

Same pots · same ledger

+Top-ups toward the same loans

Households

Multiple people, multiple spending accounts. One honest picture.

Invite who shares the plan. Everyone sees the same timeline, with their own consent on what links in, and a single pause when life gets loud.

  • Split the habit: one name on the loan, another quietly feeding the pot.
  • No shadow moves, every payout stays legible in one ledger.
How households work

The shift

From spreadsheet Sundays to money that moves while you live

The old way

  • Remember to log in and send extra manually
  • One generic savings pot, which loan was that for?
  • Partner asks “did that payment land?”, nobody’s sure

With Koyxo

  • Small top-ups drift in on a rhythm you set
  • One pot per loan, threshold, then payout to lender
  • One ledger everyone in the household can read

Real momentum

Interest saved. Years back. Every loan type.

Stories from people using Koyxo across different debts, same habits, different numbers.

4

Example profiles

4

Loan types shown

£78,311

Illustrative interest saved

Maya

Mortgage

On track to save

£43,471

interest (example profile)

Time off loan

5 Y, 7 M

“My husband and I share one mortgage, we’ve both got our accounts hooked up, top up the same pot when we can, and see every overpayment in one ledger. No nagging, no mystery; we’re finally knocking real time off the term.”

James

Student loan

On track to save

£18,920

interest (example profile)

Time off loan

3 Y, 2 M

“Same direct debit as before, but a little extra slips in when I can. The app shows what that actually does to Plan 2.”

Priya

Car loan

On track to save

£9,640

interest (example profile)

Time off loan

1 Y, 9 M

“Car payment felt fixed forever. Seeing interest drop from small overpayments made it feel less like a treadmill.”

Tom

Personal loan

On track to save

£6,280

interest (example profile)

Time off loan

1 Y, 2 M

“One personal loan, one pot. When I had a good month I nudged extra across, no guilt trip, just a clear ledger.”

Why it feels different

Less jargon. More “it’s already handled.”

We care about the feeling: loans shrinking while your routine stays intact, across every loan type you carry, not only a mortgage.

Every loan type

Mortgage, student loan, car loan, personal loan, same simple rhythm: see the debt, grow a pot, then let amounts past your threshold go to your lender automatically.

Nothing sneaky

You always see what moved and why. That matters when two people share one household and one goal.

Rules that respect lenders

Overpayment limits and quirks are part of real life. The product is shaped so guardrails show up before a payout runs, not after.

Straight answers

Questions people ask before they download

All FAQs →
Is my money held by Koyxo?
Balances you track elsewhere are shown as you enter them, not safeguarded funds sitting with us.
Can we pause if life gets loud?
Yes. One pause switch stops new top-ups; what already moved stays visible in the ledger.
What about lender overpayment limits?
Guardrails are built in so you see caps and quirks before a payout runs, not after.

Learn more

Dig in when you are ready

Short pages in plain language, no competitor names, no buzzword bingo.

How it worksPots, thresholds, households paying down debtOpenCalculatorPlay with extra paymentsOpenBlogHow we think about debtOpenFAQsStraight answersOpenContactSay helloOpen

Koyxo

Enough reading. Try the app

Add a loan, peek at a pot, run a number, takes a minute.

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