APRProof

APRProof is a mobile + web app (traditional app with AI assist) that helps people decide whether debt consolidation or refinancing is truly worth it—without relying on lender marketing. Users connect accounts via open banking, enter any offers they’ve received (or import them from email), and the app runs a side-by-side “true cost” comparison: total interest, fees, payoff date, cash-flow impact, and break-even point. It flags common traps like teaser rates, origination fees that erase savings, longer terms that increase total cost, and prepayment penalties. An AI assistant explains results in plain language and generates a negotiation script and checklist of questions to ask lenders. The app can also suggest a safer plan when refinancing isn’t viable (e.g., targeted payoff order, balance transfer timing, or hardship options). Realistically, it won’t magically lower rates; it will prevent bad decisions and wasted applications.