How it works

Three steps. Real freedom.

No spreadsheets. No jargon. You're on a plan in under four minutes — and everything after runs on autopilot.

1

Connect every account — once.

Link your banks, credit cards, student loans, auto loans, and mortgages through Plaid — the same secure bridge used by Venmo, Robinhood, and Coinbase. No passwords stored on our servers. No way for us to move money. Read-only, end-to-end encrypted.

  • Takes under 3 minutes from the first click to every balance visible
  • Supports 12,000+ US financial institutions out of the box
  • Auto-refreshes balances and transactions in real time
  • Can't see: your PIN, your password, or your security questions
Linked accounts · 4 of 4
Chase Freedom Unlimited
•• 4182 · Credit card
Connected
American Express Gold
•• 7034 · Credit card
Connected
Sallie Mae Student Loan
•• 9921 · Loan
Connected
Wells Fargo Auto
•• 6605 · Loan
Connected
Total imported $28,400
Payoff strategy · preview
Debt-free byOct 2027
Interest saved$11,840
Months cut47 months
Paying minimums With WJP
2

Pick a plan. Or let AI pick one.

Snowball clears small balances first for psychological momentum. Avalanche kills highest APR first for maximum math savings. AI Hybrid runs thousands of simulations against your actual cash flow and adapts month to month. Every plan ships with an exact debt-free date and the total interest you dodge.

  • See all three strategies side by side — no guessing
  • Payoff date updates live as balances and rates change
  • Switch strategies anytime — WJP re-runs the math in under a second
  • Works with any mix of debt: cards, loans, BNPL, mortgage
3

Let it run in the background.

Reminders fire before bills drop. Transactions are auto-matched to the right debt the moment they clear. If a payment slips, WJP rebalances the plan without a guilt trip. You can tune exactly what you want to see — or mute everything and let it just work.

  • Bill reminders 3, 2, and 1 day before due — configurable per account
  • Auto-matching catches every payment, with a 30-second undo window
  • Credit utilization alerts when a card crosses 30% — before your score reacts
  • Weekly email digest: progress, wins, drift, next week's targets
This week · Auto
Chase Freedom · $124.00 due in 3 days
Minimum scheduled · pay more to cut 12 days off payoff
Fri
Auto-matched: $520 → Sallie Mae
Cleared 2 days ago · plan re-balanced
Tue
Debt-free date: Oct 2027 · 2 weeks earlier
Extra $200 applied to Amex Gold this month
Mon
Weekly digest sent
3 wins, 1 drift, next week's targets inside
Sun
Bill reminders 3 days before due
Auto-matching for transactions
Credit utilization alerts
Weekly digest email
What this actually saves you
Nearly 4 years of payments.
$11,840 in interest.

For a typical household carrying $28k at 19.4% blended APR. Your numbers will be different — sign up to see them.

Paying minimums9 yrs 2 mo
$18,420 interest
With WJP plan5 yrs 3 mo
$6,580 interest
Credit score change +47 pts
Ready?

Your plan is four minutes away.