No spreadsheets. No jargon. You're on a plan in under four minutes — and everything after runs on autopilot.
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.
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.
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.
For a typical household carrying $28k at 19.4% blended APR. Your numbers will be different — sign up to see them.