A free program for Android, by Upgrade Inc..

Upgrade is a mobile app that gives users access to financial products, from loan terms, interest rates, and credit scores to savings plans, credit card rewards, and more. Once you start your application, you will instantly see your balance, available credit, pay bills, track your rewards, and more. 

The app provides a quick and easy way to find information on what loans are available for you to take advantage of, what you can pay, how long it will take you to pay off the loan, and even calculate the APR. If you need to pay back a loan, but cannot do it immediately, you will see how much you can pay each month and how much you still need to pay.

All you have to do is to download and use the app, and it will help you better manage your money.