Features — WJP Debt Tracking

AI Co-pilot

A strategist in your pocket. 24/7.

Ask anything — "Can I afford a trip?", "When am I debt-free?", "What if I drop $2k on Amex today?" WJP runs the simulations in seconds and answers in plain English. It knows your cash flow, your APRs, your goals, and your pace. Not a chatbot — a co-pilot.

Instant answers — ask anything, get real math, not a chart
What-if modeling — "what if I skip Chase next month?" answered in 2 seconds
Proactive nudges — AI spots wins and drifts before you do
Private — your data never trains third-party models

AI Co-pilot · Chat

You Can I afford a $3k trip in June without blowing my plan?

WJP Yes — two options. Option A: pause extra payments 2 months, debt-free date slips 47 days to Dec 2027. Option B: split it — $1,500 now, $1,500 in Sept — only 21-day delay.

You Run option B.

WJP Done. Updated your plan. New debt-free date: Nov 20, 2027. Interest cost: +$284 over baseline.

Strategy · Live comparison

Debt-free byOct 20, 2027

Interest saved$11,840

Months cut47 months

First targetAmex Gold · 22.1%

Strategy Engine

Snowball, avalanche, or AI-engineered.

Both classic payoff strategies side by side — see the exact savings from each. Or let AI engineer a hybrid that adapts to your cash flow monthly, pulling from both schools of thought to maximize momentum AND math.

Every plan ships with an exact debt-free date
Switch strategies anytime — math re-runs instantly
Accounts for APR changes, income shifts, and windfalls
Works with any mix: cards, loans, BNPL, mortgage

Auto-matched payments

Every payment, in the right bucket.

The moment a payment clears, WJP figures out which debt it went to and decrements the balance. Your plan stays current in real time — no manual reconciliation, no missed payments falling through the cracks. Miss something? 30-second undo window.

Real-time via Plaid transaction webhooks
Handles automatic minimums AND extra payments
Catches "mystery" deposits and credits too
Re-balances your payoff date the instant a payment lands

Recent activity · Auto-matched

Today

$520.00 Chase checking → Sallie Mae Matched

$124.00 Chase checking → Chase Freedom Matched

Yesterday

$85.20 Chase checking → Amex Gold Matched

$2,400.00 Chase checking → Wells Fargo Auto Matched

Auto-matched this week $3,129.20

Monthly insight · April 2026

Strong month.

Debt-free date moved up 18 days.

AI Report

Wins

Paid 2 months ahead on Amex Gold · saved $412 in interest

Credit utilization dropped from 41% to 27% — FICO likely to rise

Hit 38% of total payoff · next milestone (50%) in ~4 months

What to watch

Groceries up 18% ($287 over budget) — reallocate or raise cap?

Next best move

Push $200 extra to Chase Freedom · saves 12 days, $47 interest

Plain-English Insights

Reports you'll actually read.

At the start of every month, WJP sends you a one-page report: wins, drifts, next best move. Written in plain English by the AI co-pilot — not a chart dump, not a 20-tab spreadsheet. You read it in 30 seconds and you know exactly where you stand.

One page. No jargon. Real sentences, not dashboards.
Personalized — references your actual debts, balances, and pace
Highlights wins first — because motivation matters
Ships the "next best move" so you know exactly what to do

Day & Night

Light mode by day. Dark mode by 11pm.

The app auto-matches your system — or lock it to whichever reads easier. Both modes run the same glass aesthetic: frosted surfaces, hairline borders, and a green accent that never shouts.

W

Debt Tracking

Light

Total debt

$28,400

Debt-free · Oct 20, 2027

Amex Gold–$412 this month

Chase Freedom–$124 this month

Sallie Mae–$520 this month

W

Debt Tracking

Dark

Total debt

$28,400

Debt-free · Oct 20, 2027

Amex Gold–$412 this month

Chase Freedom–$124 this month

Sallie Mae–$520 this month

And also

Every small thing, done right.

Bank-level security

256-bit encryption. Read-only Plaid. Never store passwords.

We built security the way a bank would — then added the layers a bank wouldn't bother with.

TLS 1.3 in transit — every connection between your device and ours is encrypted.
AES-256 at rest — the industry standard used by US financial institutions.
Plaid read-only connections — same secure bridge used by Venmo, Coinbase, Robinhood.
Zero password storage — we literally cannot see or reuse your bank login.
Optional MFA — add a second factor to your WJP account in Settings.

Privacy first

Your data is yours. No selling, no advertisers, no resale. Ever.

Our business model pays us when you pay off debt — not when advertisers pay us for your data.

No data sales — not to banks, not to advertisers, not to aggregators. Not even "anonymized."
No ad trackers — no Facebook Pixel, no Google Analytics on authenticated pages.
Export anytime — one click in Settings exports your full history as CSV.
Delete anytime — account + all data gone permanently within 30 days.
Aligned incentives — we profit from a $11.99 Pro tier. That's it.

Goals that stick

Down-payment. Emergency fund. Wedding. Stack them, WJP optimizes.

Most budgeting apps treat goals as a to-do list. WJP treats them as a system.

Stack multiple goals with priority — house, emergency fund, wedding, travel, anything.
AI splits your surplus between debt payoff and goals based on your timeline.
Auto-adjusts as life shifts — raise, windfall, slow month, new baby.
Milestone celebrations — real moments at 25%, 50%, 75%, done.
After debt-free, dashboard pivots to net-worth tracking + investment goals.

Smart reminders

Bills before they drop. Drift before it snowballs. Score changes live.

Reminders designed to prevent problems — not pile on after the fact.

Bill alerts 3, 2, and 1 day before due — configurable per account.
Utilization alerts when a card crosses 30% — before your score reacts.
Budget drift flags when a category overspends mid-month.
Credit score changes the moment your bureau-fed score moves.
Weekly digest email — wins, drifts, next week's targets, one scroll.
Mute any channel — email, push, SMS, in-app. Cherry-pick what you see.

Statement OCR

Snap a statement, we read the balance, APR, and minimum.

No bank link? No problem. Upload a statement — PDF or photo — and our OCR pulls every number you'd otherwise hand-type.

PDF + photo — credit card statements, auto/student/mortgage loans, even paper bills snapped on your phone.
Tesseract.js in your browser — OCR runs on-device. The statement never leaves your phone.
Auto-extracts balance, APR, minimum payment, due date, statement close, credit limit, late fee, annual fee.
Preview-and-confirm — every detected field shown side-by-side with the source image so you catch any miss before saving.
Smart routing — credit cards land in the credit-card form, loans in the loan form, fields prefilled.
Free on every tier — manual users get the same automation paid users get from Plaid.

AI Coach with smart routing

Llama 3.1 8B for quick lookups, Llama 3.3 70B for deep analysis — auto-picks per question.

Your AI Coach reads your live debt state and answers in plain English — not a generic chatbot, not a search engine. Two models, picked for you per question.

Llama 3.3 70B Versatile — for analysis: "Should I switch to Avalanche?", "What if I throw $500 extra at the highest APR?", payoff projections, side-by-side strategy comparisons.
Llama 3.1 8B Instant — for fast lookups: "What's my next payment?", "How many debts do I have?", "When's the Capital One due?". Sub-second responses.
Auto routing — keyword + length heuristics pick the right model. Override anytime in Settings → AI Coach.
Tone presets — Coach (supportive), Analyst (data-first), Cheerleader (high energy), or Tough Love (direct).
Length control — Short (1–2 sentences), Medium (paragraph), or Long (full breakdown).
Always grounded in your data — cites your real debts and dollar amounts. Never invents numbers.

Built to make debt-free feel inevitable.