The card you forgot. The subscription that crept up. The loan quietly costing more than everything else combined. It's spread across three banks and six apps, and none of them talk to each other. WJP pulls it into one picture — every debt, every bill, what you actually spend — then gives you the number nobody else will: the date you're debt-free.
Carry $18,000 at a blended 19% APR on minimums only? You're paying roughly $285 every month in interest alone — about $3,420 a year to stay in exactly the same place.
WJP doesn't earn on your debt. We help you get out of it.
Once you have 20% equity, private mortgage insurance can usually be cancelled — but it is not automatic. You have to notice, and you have to ask. Most people never do.
WJP keeps your home’s value current using the FHFA House Price Index — the federal government’s own data for your metro area — watches your loan-to-value, tells you the month you cross the line, and drafts the cancellation letter for you with your real balance and equity position.
That is commonly $1,200 to $3,000 a year, from one feature.
Cancellation rules differ for FHA and some other loan types — we tell you that too, and say to confirm the balance with your servicer before you send anything.
Snowball, Avalanche, or a Hybrid you tune yourself — we re-run the full month-by-month math and tell you why each debt sits where it does. Then model it before you commit: what a $500 bonus does to your finish date, or cutting one category by $80 a month.
We find recurring charges from your bank feed automatically — including the ones whose amount changes every cycle — and warn you before each is due. Correct a category once and we remember that merchant forever, on every device.
Track your score and per-card utilization, and get a ranked list of the moves that raise it. Type your score in, or just drop in a screenshot from Credit Karma and we’ll read it for you.
Your 401(k), Roth IRA, brokerage and 529 in one place — with ticker-level holdings pulled in automatically from institutions that support it, and manual entry for the ones that don’t.
Add your home once. We keep its value current from federal house-price data and net it against your mortgage, so the number you see is the one that is actually true this month.
Every bill, payday and due date on one calendar — plus a private subscription link that keeps Google or Apple Calendar in sync, so you see it where you already look.
An assistant that has actually read your balances, APRs and payoff plan — powered by The WJP AI Assistant. Not generic advice. Answers about your numbers.
Invite your partner. They sign in as themselves, approve exactly what they share, and you both see one combined household picture — with individual debt details never crossing between you.
Plain-English writing on saving, credit, debt, investing, taxes, insurance and retirement. Searchable, and one pinned to your dashboard each day. No upsell.
Every balance, every payment, every interest charge — pulled in and sorted for you. No more hunting for statements. No more napkin math at 11pm.
Every payment you make, every extra dollar you throw at it — your debt-free date updates in real time. You see it move. You feel it move.
No guilt trips, no "you overspent" popups. Just a heads-up before bills drop and a quiet high-five when you hit a milestone. You got this.
Built and operated by Pappoe Venture LLC, a registered New Jersey company. Traffic is encrypted with TLS 1.3; data at rest with AES-256. We sell subscriptions — not your data, not to advertisers, not to brokers, not ever.
Email or Google. No card. The Free plan stays free — paid plans start with a 14-day trial when you're ready.
Type them in, or photograph a statement — we read it on your device and fill in balance, APR, minimum, due date and limit. The statement never leaves your phone.
Snowball, Avalanche, or Hybrid. WJP runs the math and shows the trade-offs side by side.
The exact day you'll be debt-free. Updated live every time you make a payment.
Free is a real tool, not a teaser. Pro is the whole product for one person. Pro Plus adds investments and household sharing. Family is four full accounts for less than the price of two.
Adding one person to Pro Plus is $14.99/mo, so three costs $69.96. Family is $49.99 for all four — a 29% saving, and nobody has to share a login. Cancel any plan in one click; your manually-entered data stays with you.
See full breakdown & cost transparency →We never see it. Bank links go through Plaid — read-only, the same infrastructure Venmo, Robinhood, and Chime use. We can see balances and transactions; we can't move money or change a thing.
Free is unlimited forever. Pro is $12.99/mo ($99/yr). Pro Plus is $24.99/mo ($199/yr). Family is $49.99/mo ($399/yr) and covers four people with their own separate accounts. Full breakdown of every dollar →
If you have at least one debt and want it gone, yes. Snowball, Avalanche, and Hybrid strategies handle credit cards, student loans, mortgages, autos, BNPL, medical — anything with a balance and an APR.
One click in Stripe's portal. You keep access until the end of your billing period, then drop back to Free. All your manually-entered data stays. No clawback, no auto-renew tricks.
No. Every pull is a soft inquiry — invisible to lenders and with no effect on your score. Hard inquiries only happen when you apply for credit somewhere, which is not something this app does.
No. Identity verification runs inside our bureau partner’s own secure component. Your SSN goes to them — it never passes through our servers, so there is nothing on our side to store or lose.
It happens, and it is usually harmless — a thin credit file, a recent move, or a name that does not match your file exactly. Nothing you entered is lost, and the app works fully without it: link a bank instead, or enter your debts yourself and still get your payoff date.
Yes, completely. Type your debts in, or photograph a statement and we’ll read it — on your device, so the image never leaves your phone. Linking is faster and stays current on its own, but nothing is gated behind it.
Never. No advertising, no data brokers. Your subscription is our only revenue source — that's the whole point of this pricing model.
Mint was about budgeting, then it shut down. YNAB is great for habits, but doesn't model debt payoff cascades. WJP is built around one question: when will you be debt-free? Every feature ladders up to that.
You've carried this long enough. Spend four minutes telling WJP what you owe, and you'll walk away with the exact date you'll be free of it — plus a quiet plan to get there faster.
Start free with no card at all. If you want a paid plan, the 14-day trial is on the tier you choose, we remind you before it ends, and Free is always there to fall back to. Cancel in one click — no shame, no junk email.