The Silo vs Back to the Points
A side-by-side comparison built from both listings. Blank cells mean the company has not given that detail; we never guess.
The Silo compared with Back to the Points
| Detail | 
The Silo | 
Back to the Points |
|---|
| What it does | Budgeting and debt payoff planner with no bank linking and no data selling
| Track, value and redeem credit card rewards, airline miles and hotel points in one place
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| Stage | Not given
| MVP
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| Founded | Not given
| Not given
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| Based in | Not given
| IN
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| Pricing model | Not given
| Free
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| Pricing | Free plan: 2 accounts, 5 debts, 1 property, no card required. Home plan: $5.99/month.
| Free during early access
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| Key features | - Avalanche, snowball, or custom debt payoff order
- Projected debt-free date
- Financial forecasting up to ten years out
- Overdraft warnings months in advance
- Bank and credit card statement upload
- No bank account connection required
- Two-factor authentication and encryption
- Consolidation offer calculator
- Household sharing of financial books
| - Connect multiple credit cards and loyalty programs securely without storing passwords
- Alerts before loyalty points and miles expire
- Best card recommendation based on which card earns most for a purchase
- Bank-grade encryption for secure connection
- Read-only access to loyalty data without storing card details
- Calculate point valuations based on real achievable redemptions across programs
- Support for major Indian credit card issuers including HDFC, Axis, ICICI, SBI and American Express
- Support for major airline and hotel programs including Air India, Singapore Airlines, Marriott and Hilton
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| What makes it different | - No bank account linking – you enter numbers, not credentials
- Price locked in for life – no rate increases
- Reads bank statements to eliminate manual data entry
- Actual debt-free date instead of vague projections
- Warns of overdrafts months before they happen
| - Consolidated view of scattered loyalty points across multiple cards and programs in one dashboard
- AI-powered recommendations on which card to use before you spend to earn maximum value
- Personalized comparison of redemption options to avoid wasting points on low-value exchanges
- AI wallet that understands your rewards and recommends what to do with them, not just tracking
- Shows exact point costs before booking flights, hotels and upgrades directly through the app
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| Community votes | 0 | 0 |
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| DR (Domain Rating by Ahrefs) | 10 ● no change since last check | Not checked yet ● no change since last check |
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| Trust Flow (Majestic) | 22 | 0 |
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| Citation Flow (Majestic) | 12 | 0 |
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| Referring domains (Majestic) | 2 | 0 |
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4 details filled in for both companies.
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