You've been carrying the math in your head for too long. The late-night calculations. The flinch when you open the banking app. The feeling that minimum payments never move the needle. WJP takes all of that off your shoulders — and gives you back something most debt apps never will: a finish date.
Carry $18,000 at a blended 19% APR on minimums only? You're paying roughly $285 every month in interest alone — about $3,420 a year to stay in exactly the same place.
WJP doesn't earn on your debt. We help you get out of it.
Every balance, every payment, every interest charge — pulled in and sorted for you. No more hunting for statements. No more napkin math at 11pm.
Every payment you make, every extra dollar you throw at it — your debt-free date updates in real time. You see it move. You feel it move.
No guilt trips, no "you overspent" popups. Just a heads-up before bills drop and a quiet high-five when you hit a milestone. You got this.
Email or Google. No card. No sales call.
Type them in or upload a statement — OCR auto-fills balance, APR, and minimum.
Snowball, Avalanche, or Hybrid. WJP runs the math and shows the trade-offs side by side.
The exact day you'll be debt-free. Updated live every time you make a payment.
Free is a real tool, not a teaser. Pro is for when manual stops scaling. Pro Plus is for households running money together.
Want the full bill of materials? See exactly where every dollar of your subscription goes.
See full breakdown & cost transparency →We never see it. Bank links go through Plaid — read-only, the same infrastructure Venmo, Robinhood, and Chime use. We can see balances and transactions; we can't move money or change a thing.
Free is unlimited forever. Pro is $11.99/mo (or $99/yr, save 31%). Pro Plus is $24.99/mo (or $199/yr) for households. Full breakdown of every dollar →
If you have at least one debt and want it gone, yes. Snowball, Avalanche, and Hybrid strategies handle credit cards, student loans, mortgages, autos, BNPL, medical — anything with a balance and an APR.
One click in Stripe's portal. You keep access until the end of your billing period, then drop back to Free. All your manually-entered data stays. No clawback, no auto-renew tricks.
Never. No advertising, no data brokers. Your subscription is our only revenue source — that's the whole point of this pricing model.
Mint was about budgeting, then it shut down. YNAB is great for habits, but doesn't model debt payoff cascades. WJP is built around one question: when will you be debt-free? Every feature ladders up to that.
You've carried this long enough. Spend four minutes telling WJP what you owe, and you'll walk away with the exact date you'll be free of it — plus a quiet plan to get there faster.
14 days of Pro Plus, free. After day 14 your trial ends — upgrade to Pro for $11.99/mo or stay on Free. No charge during the trial. Cancel any time in one click — no shame, no junk email.