1
Name the debt
Balance, rate, lender: the basics. Nothing heroic, no spreadsheet.
Quiet loan paydown
Pay off your mortgagefaster, almost 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 exactly the same.
Built for individuals, couples &
busy households, not spreadsheet warriors.
4
loan types in one rhythm
1 tap
to pause everything
100%
ledger you can read
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 it clears the threshold you set. No mystery bucket, no spreadsheet Sundays.
2
Grow the pot
Top-ups land in one place per loan. You set how much life can spare.
3
Cross the line
Hit your threshold and we route funds to your lender, with a trail you can trust.
Bits & pieces, handled
Variable top-ups drift in. We pay the lender.
Small, variable amounts land in each pot through the month, whatever life allows. When enough builds up, we automatically send the overpayment to that loan's lender, then the pot resets.
1Variable bits drift in through the month
2The pot builds toward your threshold
3We pay the lender, pot resets
Home mortgage
Nationwide
Pot builds → crosses £100 → sends
£0threshold £100
£78
£22
Same quiet rhythm, every loan you carry.
Whether you owe on one loan or four, see the debt, grow a pot, let amounts past your threshold go to your lender.
Mortgage
Knock real years off the term with small, steady overpayments.
Student loan
Same direct debit as before, with a little extra when you can.
Car loan
Make a fixed-feeling payment finally start to move.
Personal loan
One loan, one pot. Nudge extra across on a good month.
Households
Multiple people, multiple accounts. One honest picture.
Invite whoever shares the plan. Everyone sees the same timeline, with their own consent on what links in, plus 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 shared ledger.
Y
You
Linked account
P
Partner
Linked account
Shared mortgage potOne ledger
Both feeding the same goal. Every payout stays legible.
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 again?
- “Did that payment land?” Nobody is ever quite sure
With Koyxo
- Small top-ups drift in on a rhythm you set
- One pot per loan, a threshold, then payout to lender
- One ledger everyone in the household can read
Real momentum
Interest saved. Years back. Every loan type.
Illustrative profiles across different debts. Same habits, different numbers.
M
Maya
Mortgage
£43,471
5y 7m off term
“My husband and I share one mortgage. Both accounts hooked up, top up the same pot when we can, and see every overpayment in one ledger. No nagging, no mystery.”
J
James
Student loan
£18,920
3y 2m off term
“Same direct debit as before, but a little extra slips in when I can. The app shows what that actually does to Plan 2.”
P
Priya
Car loan
£9,640
1y 9m off term
“My car payment felt fixed forever. Seeing interest drop from small overpayments made it feel less like a treadmill.”
T
Tom
Personal loan
£6,280
1y 2m off term
“One personal loan, one pot. When I had a good month I nudged extra across. No guilt trip, just a clear ledger.”
Straight answers
Questions people ask before they download.
No. Balances you track elsewhere are shown as you enter them, not safeguarded funds sitting with us. Top-ups move from your linked account to your lender.
Yes. One pause switch stops all new top-ups instantly. Whatever already moved stays visible in the ledger, and you can resume any time.
Guardrails are built in, so you see caps and lender quirks before a payout runs, not after. The product is shaped around real lender rules.
Every loan type uses the same rhythm: mortgage, student loan, car loan and personal loan. Each gets its own pot and threshold.
Enough reading. Try the app.
Add a loan, peek at a pot, run a number. Takes about a minute.