Your AI financial copilot
Make smarter
money decisions.
Compare mortgages, credit cards, loans and more. All in one place, with clear answers and real numbers.
Pali is in private beta. Join the waitlist and we’ll let you know when it opens.
Mortgages
The biggest math problem most people will ever solve. We make every assumption visible.
Today's mortgage rates
Freddie Mac PMMS · as of Oct 15, 202630-yr & 15-yr fixed: Freddie Mac PMMS. 5/1 ARM & HELOC: Bankrate Monitor. National averages — your actual rate will vary by credit score, down payment, and lender.
30-year fixed
7.40%
Unchanged this week
5.98%52-week range7.40%
Calculate with this rate →
15-year fixed
6.71%
▼ 0.02% this week
5.35%52-week range6.73%
Calculate with this rate →
5/1 ARM
6.93%
Unchanged this week
5.67%52-week range6.93%
Calculate with this rate →
HELOC
7.34%
▲ 0.01% this week
7.05%52-week range8.28%
Calculate HELOC →
How we help
Whatever you’re doing with your home, we have a plan.
- A step-by-step plan for each goal
- The right calculator at every step
- Plain-English guides, no jargon
Goal 01
Buy a home
Know what you can afford before you start touring.
Ask Pali
Not sure where to start? Just ask.
PaliComing soon
Your mortgage guide
Hi! What are you working on? Pick a question to get started.
Read first · from the LoanPal blog
Read this before you lock a rate.
Mortgage
Fixed Rates Just Hit a One-Year High Near 7.4% — and Adjustable Mortgages Are Quietly Back. Here's Exactly When an ARM Saves You Money in 2026.
Oct 12, 2026 · 7 min read
Mortgage
Rates Jumped a Quarter-Point in a Week, Then Backed Off: A Step-by-Step Playbook for Locking Your Mortgage Rate in a Whipsaw Market
Oct 4, 2026 · 7 min read
Mortgage
Two Big Lenders Just Raised the Conforming Loan Limit to $845,000 — Two Months Before Washington Does. Here's What Jumping Early Actually Does for Your Loan.
Sep 26, 2026 · 7 min read
Mortgage
The Fed Raised Rates This Week and Your Mortgage Quote Barely Blinked. Here's the Myth That Costs Homebuyers the Most — and What Actually Sets Your Rate.
Sep 18, 2026 · 7 min read
Credit Cards
Match cards to how you actually spend, not to marketing pitches. Seven paths, ranked by real math.
The card market, by the numbers
Federal Reserve · LoanPal Cards DeskAPR: Federal Reserve G.19, commercial-bank rate on card accounts charged interest (quarterly). Card debt: Federal Reserve G.19 revolving consumer credit (monthly). Delinquency: Federal Reserve, all commercial banks (quarterly). Cards compared: every published card in the LoanPal catalog, duplicate listings merged.
Avg card APR · Q3 2026
22.36%
▲ 0.21% vs last quarter
16.17%5-year range23.37%
See what interest costs you →
US credit card debt · Aug 2026
$1.35T
▼ $4.8B vs last month
$1.01T5-year range$1.36T
Plan your payoff →
Balances 30+ days late · Q2 2026
2.85%
▼ 0.06% vs last quarter
1.53%5-year range3.22%
Late payments & your score →
Cards compared by LoanPal
448
33 issuers · 74% no annual fee
6 categoriesCategory mix
Compare every card →
How we help
Whatever you want from a card, there’s a path.
- A path for every credit goal
- Calculators that run your real numbers
- Picks scored by math, not marketing
Goal 01
Earn cash back
Find the card that pays the most on how you already spend.
Ask Pali
Not sure where to start? Just ask.
PaliComing soon
Your credit cards guide
Hi! What are you working on? Pick a question to get started.
Read first · from the LoanPal blog
Read this before you apply for a card.
Credit
The Minimum Payment Is a Trap Dressed Up as a Courtesy: At Today's 19.65% APR, Paying the Minimum on a $5,000 Balance Can Cost You More in Interest Than You Borrowed
Oct 11, 2026 · 7 min read
Credit
There Are Now Two Credit Scores Your Mortgage Lender Can Pull — and They Can Differ by 30 Points on the Same File
Oct 3, 2026 · 7 min read
Credit
One Credit Card Delinquency Number Says Americans Are Fine. Another Says It's the Worst Since 2010. Both Are Right — Here's the One That Actually Applies to You.
Sep 25, 2026 · 6 min read
Credit
Your Klarna Habit Used to Be Invisible to Your Credit Score. That Just Ended — and 47% of BNPL Users Paid Late Last Year.
Sep 17, 2026 · 7 min read