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 AI Coach 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 + AI Coach 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.

One paid plan: Pro at $11.99/month. New users get a 14-day free trial of Pro Plus (the highest tier — full features) and after the trial, the subscription auto-converts to Pro at $11.99/mo unless cancelled.

The free tier (post-trial, post-cancellation) keeps your existing manually-entered debts and the math engine, but limits AI Coach to 5 questions/day and disables Plaid sync + statement OCR.

Settings → Billing → Manage subscription. You'll be sent to the Stripe customer portal where you can cancel in two clicks. Cancellation takes effect at the end of the current billing period — you keep Pro access until then.

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.

For renewal charges (after your first paid month), refund requests within 7 days of the charge are generally honored. We review case-by-case but err on the side of saying yes.

Yes — unless you cancel before day 14. We send reminder emails 7 days before and 1 day before the trial ends so you're never surprised. The first charge is $11.99 (Pro), not the higher Pro Plus rate. After conversion, you can upgrade back to Pro Plus from Settings → Billing if you want unlimited AI + 3 bank links.

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. We've never said no to anyone making a real request.

Settings → Billing → Manage subscription opens the Stripe customer portal where you can download every past invoice, update your payment method, and change billing email. You can also access it directly at your Stripe portal after first sign-in.

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

• Free tier: 5 cloud questions/day. After that, the AI falls back to a local rule-based mode (limited but free).
• Pro: 50 cloud questions/day.
• Trial / Pro Plus: Unlimited.

The usage bar above each chat shows how many you've used today. Counter resets at local-time midnight.

By default, conversations clear at the start of every new session for privacy and to prevent stale context. Settings → AI Coach → 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, Firebase for auth/storage, Stripe for payments, Anthropic/Groq for AI Coach 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 → AI Coach → 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), 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 single JSON file containing every debt, transaction, recurring bill, savings goal, AI conversation, settings preference, and audit-log entry — everything we have on your account. Open in any text editor or import into Excel.

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.