Plain English
How Koyxo fits into real life
You are not “optimising a liability stack.” You are trying to finish your mortgage, student loan, car loan, or personal loan a little sooner, without living like a monk. Koyxo is built around paying those balances down: each loan gets a home in the app and a pot where small amounts gather, then go to your lender automatically once you hit the payout threshold you choose.
Day to day, the aim is quiet progress: tiny top-ups that slide into each pot while the app keeps the rhythm. You connect the accounts you want with clear consent, set limits and thresholds, and can pause everything in one place if life gets loud, without losing sight of what happened.
One loan or four, same idea
Add what you owe: mortgage, car, student, or personal. Each one can have its own pot so money does not get lost in a generic savings blob.
- Tell us the basics (balance, rate, who you pay, nothing fancy).
- Let small amounts flow into that loan’s pot over time.
- When the pot clears your threshold, money routes to your lender automatically, every step stays visible.
In the background
Almost without noticing
Automation stays legible: consent per account, limits you choose, a single pause switch, and plain reasons when a move does not run, so nothing feels like a black box.
- Money only moves in amounts you are comfortable with.
- Each pot stays tied to one loan, no mystery bucket.
- When a pot hits the payout threshold you set, funds go to your lender automatically, not only when you remember to tap send.
- Either person in a household can pause everything if life gets noisy.
Built for households, more than one person on the same goal
A shared workspace so partners, or several people you trust in your household, can help pay a loan down together, with separate bank consent wherever someone links an account.
One person might carry the loan on paper while another quietly tops up a pot, or you might split effort across multiple earners under one roof. Everyone who should see progress sees the same ledger and the same pots, so nobody is guessing whether the extra actually landed on the debt.
- Invite the people who share the plan, partners, spouses, or other household members you choose.
- Each person links only what they agree to; nothing moves without the consent and limits you set.
- Whether one loan or several, the story stays legible: who helped, what moved, and toward which lender.
Koyxo
See it for yourself
Add a loan in minutes. No spreadsheet required.