What people actually ask us — in plain English. Browse by category or scan the list.
Everyone starts a 14-day trial of the plan they pick. Card required. Cancel during the trial and you are not charged. Access ends the same day and the account moves to Limited Free (manual debt and transaction entry, snowball/avalanche, statement OCR, and bill alerts). Pro is $11.99/month or $99/year ($8.25/mo, save 31%) — adds bank sync via Plaid, WJP Assistant chat, Hybrid strategy, and more. Pro Plus is $24.99/month or $199/year ($16.58/mo) — unlimited everything plus household mode. Add family members at $8/month. Ultimate ($49.99/month or $540/year) includes 2 family members at Pro — they are not charged their own $11.99. See full breakdown →
Cancel anytime from Settings — no email, no chat, no "retention specialist." Your data stays available for 30 days in case you come back, then it's permanently deleted. You can also pause a subscription for up to 3 months and keep your plan intact.
Optionally. You can type balances in manually and WJP works perfectly. If you link your bank, we use read-only connections via Plaid — the same secure bridge used by Venmo, Coinbase, Robinhood, and most major fintechs. We can never move money, and we never store your bank login.
Yes. All data is encrypted in transit (TLS 1.3) and at rest (AES-256). We don't sell data, don't serve ads, and don't run analytics on third-party trackers. You can export everything as CSV or delete your account (and all data) in one click from Settings.
Avalanche saves more money mathematically — you pay off highest-APR debts first. Snowball feels more motivating because you clear small balances first, which builds momentum. WJP shows you both side-by-side, and many people use a hybrid approach. There's no wrong answer if you stick to the plan.
Credit cards, personal loans, student loans, auto loans, mortgages, medical debt, and BNPL plans (Affirm, Afterpay, Klarna). Basically: anything with a balance and an interest rate. If it can be paid off, WJP can track it and plan for it.
No — WJP is a tracking and planning tool, not a lender. We don't report to bureaus because we don't lend. You can see your own credit score inside WJP (pulled via your banks' feeds when available), but we never send data to Equifax, TransUnion, or Experian.
Yes. Pro Plus ($24.99/mo) includes household mode. You add members at $8/month and each person keeps their own plan. Ultimate ($49.99/mo) includes 2 family members at Pro, so those members are not charged their own $11.99. The owner stays on Ultimate. Extra seats are $8/month. A household holds up to 6 people.
An independent team — not a bank, not a lender, not a BNPL company. We make money from a single optional Pro tier. That's our only business model, and it keeps our incentives aligned with yours: we only do well when you actually pay off your debt. We're not optimizing for you to carry a balance or refinance into another loan.
Not yet — the web app is designed mobile-first, so you can use it from any phone browser today and it feels native. Native iOS and Android apps are in development and will ship with the same account you use now. No data migration, no new sign-up.
Your WJP co-pilot will answer anything about the product, your plan, or your numbers — instantly, in plain English. For now, sign up and we'll email you the day it goes live.
Start your 14-day trial of the plan you pick. Card required, cancel anytime. If you cancel, access ends the same day and the account moves to Limited Free. We won't charge until day 15.