Help Center

WJP turns your debts into a single dashboard with a real debt-free date. You add (or sync) your debts, pick a payoff strategy (Avalanche, Snowball, or Hybrid), and the app runs the math: how much you'll pay in interest, when each card disappears, and what changes if you throw an extra $200/mo at it.

Beyond the math, you get an WJP Assistant that knows your numbers, automatic bill detection from linked banks, statement OCR, calendar reminders, and a credit utilization tracker.

Three options, fastest first:

• Sync a bank with Plaid — Settings → Linked Accounts. Most credit cards and student/auto loans pull in automatically with current balance and APR.
• Snap a statement — Top-right + Add → Scan statement. Upload a PDF or photo, OCR fills in balance, APR, and minimum.
• Add manually — Top-right + Add → Add debt. Type the name, balance, APR, and minimum. Takes 30 seconds.

You can mix and match. Most people sync their cards, manually add a student loan, and use OCR for older statements.

Avalanche targets the highest-APR debt first regardless of balance. Mathematically optimal — saves the most interest. Best when you're driven by numbers.

Snowball targets the smallest-balance debt first regardless of APR. Knocks out wins fast for momentum. Best when you need psychological proof you can do this.

Hybrid is what we built — pay off any debt under a small threshold first (quick wins), then switch to Avalanche for the rest. Captures the morale boost without the full interest tax of pure Snowball.

Switch any time in Settings → Strategy. The Plans page shows side-by-side comparison so you can see how each affects your debt-free date and total interest paid.

The date depends on three inputs: balances, APRs, and how much you're paying above the minimums. Check that:

• Each debt has a non-zero minimum payment (without it, the math can't run).
• Each debt has an APR set (use 0% for student loans on pause, etc).
• Your extra payment / month is set under Settings → Strategy.

If a debt is missing data, it shows a yellow flag on the Debts page.

Yes. Plaid is optional. Manually-entered debts and uploaded statements give you the full strategy + WJP Assistant experience. Linking a bank adds automatic balance updates and bill detection — convenient but not required.

Yes. WJP is a web app that runs in any modern browser — iOS Safari, Android Chrome, desktop. There's no app to install. Add it to your home screen for one-tap access (Share → Add to Home Screen on iOS, "Add to Home" in Chrome menu on Android).

Plaid is the same secure connector used by Venmo, Robinhood, Chime, and most major fintech apps. They handle the actual bank login — your username and password go to Plaid, never to us. Plaid then sends WJP a read-only stream of your account balances, recent transactions, and loan metadata.

This is read-only access. WJP cannot move money, change settings on your bank account, or initiate any transactions.

• Account names, types, and last-4 digits of account numbers
• Current balances
• Loan/credit metadata: APR, minimum payment, due date, statement balance
• Recent transactions (used to detect bill payments and update debt balances automatically)

WJP never receives your bank login credentials. Those stay with Plaid.

Plaid supports 12,000+ U.S. financial institutions but a few small credit unions and brand-new banks are missing. If yours isn't there, you have two options:

• Add the debt manually — Settings → Debts → Add. You'll just type in balance, APR, and minimum.
• Use statement OCR — upload a PDF or photo of a recent statement and let WJP extract the data.

If you want us to request your institution be added to Plaid, email us with the bank's name.

Some banks require periodic re-authentication for security (90-day or 180-day rules). When that happens, WJP shows a yellow banner asking you to reconnect. Click it, complete the bank's login flow inside Plaid, and you're back in sync. Your data isn't lost — just paused until you reconnect.

Settings → Linked Accounts → click the Unlink button next to the institution. This immediately revokes WJP's Plaid access token. Manually-added debts remain. Synced data from that institution is kept (you can delete it manually if you want), but no new transactions will flow in.

Only if you explicitly include them when you link a bank. Plaid lets you pick which accounts to share. WJP only needs liability accounts (credit cards, loans, lines of credit), but checking/savings can be useful for cash-on-hand context. You're in full control of what gets shared.

Automatic refresh runs once every 24 hours. You can also trigger a manual refresh anytime via the Sync Bank button in the top-right header. New transactions usually appear within 1-3 business days of clearing your account.

Everyone starts a 14-day trial of the plan they pick. Card required. Pro is $11.99/month, Pro Plus is $24.99/month, Ultimate is $49.99/month. We don't charge until day 15. Cancel during the trial and you are not charged. Access ends the same day and the account moves to Limited Free.

The limited Free plan (after you cancel) keeps your existing manually-entered debts and the math engine, but limits WJP Assistant to 5 questions/day and disables Plaid sync + statement OCR.

Pro Plus ($24.99/month) includes household mode with no seats included. Each added member is quoted at $8/month and keeps their own plan. They can upgrade to Pro for $11.99/month.

Ultimate ($49.99/month) includes 2 family members at Pro. Those members are not charged their own $11.99. The owner stays on Ultimate. Seats after those 2 are quoted at $8/month and keep their own plan. A household holds up to 6 people. The seat quote is not a Stripe charge yet; it is shown so billing can update on a later invoice.

Settings → Billing → Manage subscription. You'll be sent to the Stripe customer portal where you can cancel in two clicks. Cancellation takes effect the same day. The account moves to Limited Free.

You can also email us and we'll cancel for you within 24 hours.

30-day no-questions refund on your first paid charge. If you decide it's not for you within 30 days of your first Pro charge, email support@wjpdebttracking.com and we'll process a full refund the same day.

Email us within 14 days of any charge and we’ll refund it, no questions asked.

Yes — unless you cancel before day 14. The charge is for the plan you picked. We send reminder emails 7 days before and 1 day before the trial ends so you're never surprised. If you cancel during the trial, you are not charged. Access ends the same day and the account moves to Limited Free.

Not as a public discount, but if you're in genuine financial difficulty (the people who need this app most are sometimes the people who can least afford a subscription), email us and tell us what you can manage. We'd rather you use the app than not.

Settings → Billing → Manage subscription opens the Stripe customer portal where you can download every past invoice, update your payment method, and change billing email. That button is the only link you need; it opens a portal session tied to your own account.

Anthropic's Claude Haiku 4.5 is the primary model. If Anthropic is unreachable, we automatically fall back to Llama 3.3 70B via Groq. Both providers are bound by contract not to train on your data.

You can see which model answered in the badge above each chat panel.

By default, when Cloud Mode is on, every question sends Claude a snapshot of your live in-app state: today's date, your debts (name, balance, APR, minimum, due date, utilization), monthly income, recurring bills, last 30 days of spending categories, savings goals, credit score, and your chosen strategy.

Toggle Settings → WJP Assistant → Use my real data off if you want generic advice instead — the AI will still answer but won't see your numbers.

• Free: cloud WJP Assistant is not included (0 questions). The coach falls back to a local rule-based mode.
• Pro: 50 cloud questions per calendar month.
• Pro Plus and Ultimate: unlimited, subject to fair use.
• Trial: unlimited in the app while the trial is active.

The usage bar above each chat shows how many you've used this month. The counter resets on the 1st.

By default, conversations clear at the start of every new session for privacy and to prevent stale context. Settings → WJP Assistant → Auto-clear chat lets you change this — options range from "clear each session" (default) up to "24 hours inactive" (the maximum, no permanent persistence).

Three tips:

• Be specific. "What should I do about my Avant card?" beats "What should I do about my debt?"
• Use the length toggle. Short for quick lookups ("when is rent due?"), Long for audits and what-if scenarios.
• Add the data first. The AI is grounded in what you've added. If you haven't added income or recurring bills, it can't help with cashflow questions. Add them under Settings → Income / Recurring.

Fixed in May 2026 — chat history is now namespaced per Firebase user. If you still see this on a shared device, sign out fully, then in DevTools console run localStorage.clear() and reload. Email us if it persists.

No. We don't sell, rent, or share your data with advertisers, brokers, or any third party that isn't directly required to operate the app (Plaid for bank linking, Array for credit score and report features when you use them, Firebase for auth/storage, Stripe for payments, Anthropic/Groq for WJP Assistant when you use it). Each is contractually bound to handle your data per their own privacy commitments.

Full details in our Privacy Policy.

In transit: TLS 1.2+ on every request. At rest: AES-256 (default for Firestore). Plaid access tokens are stored server-side only and never exposed to the browser. Webhooks are cryptographically verified before processing. Two-factor auth is enforced on all admin accounts.

The Privacy Mode toggle in the top-right header blurs your dollar amounts and account names so you can use the app in public or screen-share without exposing balances. Click any blurred figure to temporarily reveal it. Settings → Privacy lets you enable Privacy Mode by default + add blur-on-focus-loss.

Yes. Settings → WJP Assistant → switch from "Use my real data" off, OR from Cloud to Standard Mode. Standard Mode is fully rule-based and runs entirely in your browser — no data leaves your device. You'll get less nuanced answers but absolute privacy.

Your data is in Firestore, not on the device — so nothing is lost. To revoke a stolen device's access:

• Sign in on a different device, then Settings → Security → Sign out all sessions.
• Change your password (Settings → Security → Change password).
• If linked via Google, revoke WJP's access at myaccount.google.com/permissions.

We rely on certified providers for the parts that matter: Plaid (SOC 2 Type II, ISO 27001), Array (our credit-data provider — your credit report and score reach us through them, never by us holding bureau credentials), Stripe (PCI DSS Level 1), Google Cloud / Firebase (SOC 1/2/3, ISO 27001/17/18, HIPAA-eligible). We never store payment card numbers ourselves — Stripe handles them entirely. We're not formally SOC 2 certified yet (early stage); that's on the roadmap.

Settings → Data → Export all data. You'll get a set of CSV files — your debts, transactions, recurring commitments, savings goals, AI conversations, and your profile and settings. Open them in any spreadsheet.

Two things are not in that download: your credit report, which belongs to the bureau and is best requested from them directly, and our internal server logs. For a full copy of everything held about you, email privacy@wjpdebttracking.com and we'll put it together.

Exports are generated on-demand and download instantly. We don't keep a copy on our servers.

Settings → Account → Delete account. Type your email to confirm. We immediately:

• Wipe your Firestore document (debts, transactions, recurring, settings, AI history)
• Cancel any active Stripe subscription
• Revoke all Plaid access tokens
• Delete your Firebase Auth user

The action is permanent — no undo. Plan to download an export first if you want a record.

Active data wipes immediately. Server logs and backups containing your data are purged within 30 days of account deletion. We retain anonymized aggregate metrics (total signups, retention curves) indefinitely — these contain no personally-identifying information.

Yes. Click any debt → Delete. For transactions, Debts page → pick the debt → Transactions tab → delete individual rows. For recurring bills, Settings → Recurring → remove. All deletions are immediate and permanent.

Under GDPR (EU/UK) and CCPA (California), you have the right to access, correct, port, or delete your personal data. The Export all data button satisfies access + portability. Delete account satisfies deletion. For correction or specific data-subject requests, email privacy@wjpdebttracking.com; we respond within 30 days.

We disclose only what's legally required and only with valid process (court order, subpoena, etc.). We notify the affected user before disclosure unless legally prohibited from doing so. Our full process is documented in the Privacy Policy section 8.