Features

Everything you need to get debt free.

Four powerful pillars working together to give you total financial clarity and a clear path forward.

Budgeting

A budget that adapts to real life

Auto-categorized spending, paycheck-aware planning, and instant alerts when categories run hot. No spreadsheets, no guilt.

  • Smart categorization across 30+ categories
  • Weekly + monthly cash-flow forecast
  • Bills & subscriptions auto-detected
  • Safe-to-spend until next paycheck
Debt Payoff Calculator

Avalanche or snowball — we'll pick the winner

See exactly when you'll be debt-free, how much interest you'll save, and the optimal extra payment based on your real income.

  • Side-by-side avalanche vs snowball
  • Personalized monthly + weekly extra-payment recommendation
  • Debt-free date projection with month-by-month plan
  • Promo APR & high-interest alerts
Savings Goals

Emergency fund first — then everything else

Track every goal with visual progress, recommended monthly contributions, and a smart balance between paying down debt and building savings.

  • Emergency-fund-first protection logic
  • Multiple goals with priorities
  • Auto-suggested monthly contributions
  • Progress visualizations + milestones
AI Insights

A financial brain that never sleeps

Our AI surfaces the patterns you'd miss — duplicate subscriptions, drifting categories, hidden recurring charges, and the highest-impact moves you can make this week.

  • Subscription detection + cancel suggestions
  • Spending trend & anomaly alerts
  • Receipt & bill OCR with auto-extraction
  • Personalized weekly action plan

Try it free — no card needed.