Smart Debt Flow — Know Exactly When You'll Be Debt-Free
Add every debt you carry — credit cards, student loans, personal loans, car payments, and buy now pay later — and get a real payoff plan in under 3 minutes. Smart Debt Flow compares snowball vs avalanche strategies using your actual balances and interest rates, shows your real debt-free date, and provides AI coaching to keep you on track.
Key Features
Real payoff plan — snowball, avalanche, and custom strategies compared with your numbers
Your debt-free date — not a generic estimate, your actual date based on your inputs
All debts in one place — credit cards, loans, BNPL, car payments, medical bills
AI debt coach — answers based on your actual debts, daily nudges to stay on track
Payment calendar — every due date across all debts in one view
Bank syncing via Plaid — optional, manual entry always available
Mental health check-ins — financial stress support built in
How It Works
Add your debts in about 2 minutes — manually or by connecting your bank. We compare every payoff strategy on your actual numbers and show your debt-free date for each. You pick the plan that fits your life. AI coaching checks in to keep you honest.
02:00 · the math that won't let you sleep
It's 2am, and you're doing the math again.
An AI debt agent that works the night shift — paying down your balances, running scheduled payments, and clearing BNPL cliffs while you sleep, all within limits you set.
$24,300across credit cards, a student loan, a car payment, and the Klarna plan you forgot about
Keep scrolling — the sun comes up
03:30 · while you finally sleep
Your AI coach works the night shift.
Not a tracker that nags you in the morning — an agent that acts. Within the limits you set, it moves your balances down while you sleep: sweeps your round-ups to the right debt, runs the extra payment you scheduled, heads off a BNPL cliff before it costs you. You wake up to progress, not a to-do list.
03:31
Swept this week's round-ups to debt
Spare change from 23 purchases → your highest-APR card
+$14.20
03:44
Ran the extra payment you scheduled
$150 to your Chase card — on the day you set, no missed taps
$150
04:02
Headed off a Klarna cliff
Cleared it 9 days early — before retroactive interest could hit
05:10
Caught a subscription you forgot
Rebuilt next month's budget and redirected it to your plan
+$18/mo
05:00 · first light
Set the rules once. It runs the rest.
This is the part other apps don't do: the agent doesn't just show you the plan — it executes it. You stay in control of every limit; it handles the work.
Round-ups that pay down debt
Every purchase rounds up, and the spare change sweeps straight to your highest-impact balance — automatically, every day.
Payments that run themselves
Schedule an extra payment once and the agent makes it on time over secure ACH — capped by limits you set, reversible in one tap.
Budgets that build themselves
It learns your spending, forecasts overages before they happen, and redirects what it frees up straight to your plan.
Flow, your AI coach
Ask anything in plain English. It answers from your real numbers and, with your okay, takes the action right there in the chat.
Financial Twin · Pro
A living model of your money you can race against — test a windfall, an extra $50, a rate change, and see your new debt-free date before you commit.
BNPL on autopilot
Klarna, Affirm, Afterpay, Sezzle & PayPal Credit in one calendar — cliffs cleared before retroactive interest can land.
05:40 · the sky warms
Snowball, avalanche, or your own blend.
No radio host insisting there's one right way. See payoff dates and interest for every method, side by side, on your actual balances — pick the one you'll finish, and the agent runs it for you from there.
AvalancheMar 2027
Highest APR first. Saves the most interest — about $1,840 — and finishes soonest.
SnowballJun 2027
Smallest balance first. The most early wins, best for momentum.
Custom blendApr 2027
BNPL cliffs first, then highest APR. Your math, your motivation.
Start free for 30 days — no credit check to begin. Cancel anytime, no questions, no retention maze.
Basic
$9.99 /mo
Sees every debt, tracks your BNPL, and builds your plan — you make the moves.
30-day trial before billing
Bank sync & BNPL cliff alerts
All five payoff strategies, compared
Milestones, budgets & the Flow coach
Most popular
Pro
$19.99 /mo
The agent that does the work for you — moving money down your debt on autopilot you control.
Everything in Basic, plus:
Round-ups & scheduled payments that run themselves
Flow takes the moves you approve
Financial Twin & advanced fraud protection
5
payoff strategies, compared on your numbers
5+
BNPL providers in one calendar
$0
to start — 30-day free trial
1-tap
undo on every automated move
06:40 · safe to sleep on it
It can act because you set the limits.
An agent that moves money only earns trust if you stay in control. So you do: it reads your accounts to see, and the only money that ever moves is a payment you switched on — inside the caps you set, every one logged and reversible.
Read-only to see
It connects through Plaid to see your balances — encrypted in transit and at rest, and your bank credentials never touch our servers.
Money moves only on your rules
The only cent that ever moves is a payment you turned on — your round-ups, your scheduled payments — up to the limits you set, to your own debts, reversible in one tap.
You hold the keys
Pause automation, change a limit, disconnect an account, or delete everything — in one tap. We never sell what's yours.
07:00 · sunrise
Wake up to calm. Debt-free by 2027.
Add your debts in two minutes tonight — no bank login, no credit check. Set your limits, let the agent do the work while you sleep, and wake up to a balance that's already smaller.
No bank login to start · you set every limit · cancel anytime