Liabilities in Sequence aren’t just tracked.
They can be paid down automatically with purpose-built actions.
Liability-Specific Actions
Some actions are tailored for paying off debts or liabilities.
Use these when you want rules that focus on balances and payoff strategy.
Pay Dynamic Liability Balance
Pay Dynamic Liability Balance
(Liability destinations only)
Automatically make payments toward a liability. You can target:
Minimum amount due
Last statement balance
A percentage of the current balance
The full current balance
If any value looks inaccurate or is missing, click the field and enter it manually.
Your entry sticks until you update or delete it.
Snowball Method
Snowball Method
The Snowball Method is about momentum.
How it works
Sequence pays the minimums on all liabilities.
Extra money goes to the smallest balance first.
When that’s paid off, the same extra amount rolls to the next smallest, and so on.
Why use it?
Quick wins as smaller debts disappear
Strong motivation from closing accounts
Complexity in Snowball / Avalanche Methods
Complexity in Snowball / Avalanche Methods
Snowball and Avalanche strategies can introduce unpredictability, especially when billing cycles and payment timings don’t align.
For example:
Liability A bills on the 1st
Liability B bills on the 15th
A rule running on the 1st might pay A
A rule running on the 9th might skip A (already satisfied) but pay B in full
A rule running on the 18th might skip both, depending on prior payments
When you’re working with multiple liabilities, this timing logic can become difficult to track and test reliably.
Tip: To avoid timing issues, align all your debt due dates to the same (or similar) day by resetting them within each institution.
Allocating an amount to Snowball or Avalanche
When setting up either strategy, choose how to allocate:
Percentage of available funds or of an account balance
Fixed dollar amount
Then:
Click Add account and select the liabilities to include.
Adjust APR if needed:
Sequence pulls APR when available.
If it’s missing or wrong, edit or add it manually.
Your manual APR stays until you change it.
Avalanche Method
Avalanche Method
The Avalanche Method is about saving the most money over time.
How it works
Sequence pays the minimums on all liabilities.
Extra money goes to the highest APR first.
When that’s paid, extra moves to the next highest APR, and so on.
Why use it?
Less interest paid overall
Most cost-effective long-term (though slower to see progress)
Complexity in Snowball / Avalanche Methods
Complexity in Snowball / Avalanche Methods
Snowball and Avalanche strategies can introduce unpredictability, especially when billing cycles and payment timings don’t align.
For example:
Liability A bills on the 1st
Liability B bills on the 15th
A rule running on the 1st might pay A
A rule running on the 9th might skip A (already satisfied) but pay B in full
A rule running on the 18th might skip both, depending on prior payments
When you’re working with multiple liabilities, this timing logic can become difficult to track and test reliably.
Tip: To avoid timing issues, align all your debt due dates to the same (or similar) day by resetting them within each institution.
Allocating an amount to Snowball or Avalanche
When setting up either strategy, choose how to allocate:
Percentage of available funds or of an account balance
Fixed dollar amount
Then:
Click Add account and select the liabilities to include.
Adjust APR if needed:
Sequence pulls APR when available.
If it’s missing or wrong, edit or add it manually.
Your manual APR stays until you change it.
The Complex Liability Info
The following are some of the nitty gritty details behind liability rules.
You don’t have to know all of this to use Sequence effectively, but if you want a deeper understanding of how rules really work, read on.
Smart handling of dynamic payments
Sequence is designed to avoid mistakes and handle complex payment flows automatically:
Avoiding duplicate payments
If a rule is set to pay the minimum due or the last statement balance, Sequence tracks payments at the liability level.
Even if the rule triggers multiple times in a cycle, it won’t make duplicate payments once the target is satisfied.
Partial and incremental payments
Smaller payments throughout the month (e.g. $5, $34) accumulate toward the target.
Once the total equals the metric (minimum due or statement balance), Sequence stops further payments for that liability.
This only applies when paying the minimum due or last statement balance — not fixed amounts, percentages, or other rule types.
Liability-level tracking
Payments are tracked at the liability level, not just by rule. This ensures all rules reference the same payment status.
Examples:
If you have two rules funding the same liability, once one satisfies the target, the other automatically skips.
If payments are made in stages from multiple Pods, you can set a backup rule at the end of the cycle.
If that backup rule is set to pay the minimum due, it will:
Skip liabilities already paid
Top off liabilities that are underfunded, up to the minimum
Adding Missing Debt Info
Sometimes lenders don’t share every field.
You can fill in what’s missing directly in Sequence:
APR (used for Avalanche ordering)
Due date / statement close date
Minimum payment
Statement balance / current balance
Click the value, type it in, and it’s saved.
Your entry stays until you update or remove it.
Where to go next
Keep going: head to Investment Accounts to see how Pods and autopay work together.