Track
Every card, loan, mortgage, and hidden fee — in one calm place.
Most apps hand you a budget and walk away. WJP stays with you. It learns how your money actually moves, engineers the fastest path out of debt, and shows you — in plain English — every dollar that used to bleed into interest.
Click any pillar on the right to see how it actually works.
Every card, loan, mortgage, and hidden fee — in one calm place.
WJP auto-imports every obligation from every connected account — credit cards, student loans, auto loans, mortgages, personal loans, and BNPL plans. Balances update in real time via Plaid's read-only bridge.
You'll see current APR, minimum payment, due date, and interest accrued since your last statement — on a single dashboard. No more hunting through five separate banking apps to remember what you owe.
AI builds a month-by-month payoff strategy — snowball, avalanche, or hybrid.
Our AI runs thousands of payoff simulations against your actual cash flow — not a textbook model. You'll see three sharp options side by side:
Avalanche — highest APR first, maximum interest saved. Snowball — smallest balance first, maximum momentum. AI hybrid — adapts month to month as your income and spending shift.
Each plan ships with an exact debt-free date, total interest saved, and a month-by-month schedule of where every dollar should go.
Smart nudges keep you on pace. Miss a month? WJP rebalances — no shame.
Reminders fire before bills drop, not after. Transactions are auto-matched to the right debt the moment they clear your account — no manual reconciliation, no missed payments.
If a month goes sideways, WJP rebalances the plan automatically. You'll see a revised debt-free date, not a guilt trip. Credit utilization tracking shows you how your score will respond as balances drop — so you know you're winning before FICO does.
Every payoff is a milestone. Watch your progress compound.
Every milestone compounds. When you cross 25%, 50%, 75%, and 100% paid off, WJP logs the moment and shows you what you've actually accomplished — not just in dollars, but in hours of work freed, stress cut, and future cash flow unlocked.
When the last balance clears, your dashboard pivots into a net-worth tracker. The tools don't go away — the goal just changes. Your AI co-pilot starts modeling investment scenarios with the same cash flow it used to route to debt.
WJP exists because we spent years trying to get out of debt with tools that weren't built for it. Banking apps show you what you owe, but not how to stop owing. Budgeting apps show you where your money went, but not where it's going next. We wanted an opinionated co-pilot — one that engineers the exit, reminds you when it matters, and stays quiet when it doesn't.
We're an independent team — not owned by a bank, a lender, or a payment processor. Our only business model is a single optional Pro tier. That means no ads, no data sales, no conflicts of interest about whether you actually pay things off. Your debt-free date is our only product metric.
Get every user to zero debt, faster than they thought possible — then keep them there. That's the whole product.
No dark patterns. No hidden fees. No partnership with a lender who'd benefit if you fail. One transparent Pro tier — take it or leave it.
Encrypted end-to-end. Never sold. Export or delete in one click. We treat your financial data the way we'd want ours treated.