APRReality

APRReality is a mobile + web app that turns confusing credit offers into plain-English, comparable “true cost” scenarios. Users paste or forward an offer (balance transfer, personal loan, BNPL, store card, refinancing) and the app calculates total interest, fees, promo traps, payoff timelines, and the break-even point versus alternatives. It also builds a simple payoff plan across multiple debts and shows what happens if you pay $25 more (or miss a payment) using realistic penalty APR and fee assumptions. The AI layer extracts terms from screenshots/PDFs/emails and flags ambiguous or predatory clauses (deferred interest, retroactive interest, fee stacking). This is not a magic debt-erasing tool; it’s a decision engine that prevents expensive mistakes and helps users choose the least-bad option. Monetization: freemium calculators, plus paid “offer comparisons,” exportable reports, and optional partner referrals (clearly disclosed).