The balance does not seem to move
You pay every month and the number barely changes.
Courses
See what you would learn
Understand what borrowing really costs.
A course on how interest and repayment work, with simple examples. It covers comparing the cost of different kinds of borrowing, seeing how repayments interact with interest over time, and asking the right questions before signing, without recommending any product.
Open Cadence on the App Store, type the sentence when it asks what you want to learn, and answer a few setup questions. Free to start. Android testers can request early access.
Type this when Cadence asks what you want to learn
I want to understand how interest and debt repayment work. Use simple examples to compare borrowing costs and common repayment approaches without choosing a financial product for me.
Change any word so it fits your situation. The course is built from what you type and a few setup questions.
- Best for
- Personal finance
- Prerequisites
- None. Bring the situation you have.
- Course length
- 7 to 30 lessons, sized to your goal
- Lesson pace
- About 10 minutes a day
- Format
- Read it, or play the audio
- Access
- Available on the App Store, with early features and Android testing access
Before the course is built
Setup asks about your situation first.
Lesson 1 opens on the moment you describe, and the examples use your role. For this request, expect questions like these.
- Do you have debt now, or are you deciding whether to borrow?
- Which kinds are involved: credit cards, loans, a mortgage, or buy-now-pay-later?
- How comfortable are you with percentages and simple arithmetic?
Right for now
If any of this sounds familiar, start here.
APR and interest rate blur together
The terms on the paperwork mean nothing definite to you.
You are about to borrow
An offer is in front of you and you want to understand it before agreeing.
Course arc
Where the course goes, in order.
Cadence writes the lessons for you, so the exact path follows your answers. This is the ground a course built from this sentence covers.
01 / 06What interest is
The price of time, and why it compounds.
Rates, APR and fees
Reading the numbers on an offer and what each one includes.
Why balances barely move
Minimum payments, interest and the arithmetic of slow repayment.
Comparing kinds of debt
Cards, loans, mortgages and instalments, on a like-for-like basis.
Repayment approaches
Common ways people order and pace repayment, and what each trades off.
Questions before you sign
What to ask about any offer, and the answers that should give you pause.
What changes
What you will be able to do, and what you will stop believing.
You will be able to
Explain how interest accrues
See why balances grow the way they do and what a rate actually means.
Compare borrowing costs
Put different offers on the same footing.
Understand repayment choices
See what changes when you pay more, sooner, or on a different debt first.
Ideas this course corrects
A low monthly payment means a cheap loan
Low payments over a long term usually cost more. The total paid is the number to compare.
All debt is bad
Debt is a tool with a price. The question is what it buys and what it costs over its life.
Course questions
What to know before you start.
Is this a fixed course?
No. Cadence builds the course when you type the sentence and answer a few setup questions, so the lessons follow your situation. This page describes what a course built from this request covers. You see the whole path before Lesson 1.
Who is this course for?
A course on how interest and repayment work, with simple examples. It covers comparing the cost of different kinds of borrowing, seeing how repayments interact with interest over time, and asking the right questions before signing, without recommending any product. It sits under Personal finance in the Life & growth part of the library.
Do I need any prior experience?
No. Setup asks what you already know and where you want to use it, and the course starts from there. Bring a real situation if you have one; the examples are built around it.
How long does it take?
Courses run 7 to 30 lessons of about 10 minutes, sized to what you asked for. One lesson a day is the intended pace, and you can go faster. Lessons can be read or played as audio.
Does this course award a certificate or degree?
No. Cadence is for practical self-learning and does not award accredited degrees or professional certification.
Start today
Type it, answer a few questions, open Lesson 1.
The sentence to type
I want to understand how interest and debt repayment work. Use simple examples to compare borrowing costs and common repayment approaches without choosing a financial product for me.
Open Cadence on the App Store, type the sentence when it asks what you want to learn, and answer a few setup questions. Free to start. Android testers can request early access.