CredSplit

CredSplit is a mobile + web app that builds a realistic, week-by-week payoff plan across credit cards, personal loans, and BNPL balances—without pretending you can “budget perfectly.” Users connect accounts via Plaid, set a minimum cash buffer, and the app automatically allocates extra payments using a rules-based optimizer (avalanche/snowball hybrid) that adapts to income timing, upcoming bills, and interest changes. It flags the few actions that actually move the needle: balance transfer eligibility, APR renegotiation scripts, and which card to stop using to avoid re-accumulation. A lightweight AI coach explains tradeoffs in plain English (“Paying Card B first saves $312 but increases risk of overdraft next week”). The app is honest: if your cashflow can’t support payoff, it recommends hardship options and shows consequences. Monetization: $8–$12/month plus optional referral fees for reputable consolidation/BT offers.