DebtAutopay

DebtAutopay is a mobile + web app that helps people pay down credit cards, personal loans, and student loans faster by automating “micro-payments” and timing them around real cash flow. Users connect accounts, set a minimum safety buffer, and choose a payoff strategy (avalanche, snowball, or custom). The app then schedules small extra payments after paydays or when balances are unusually high, while preventing overdrafts by continuously checking upcoming bills and account balances. It also flags high-interest accounts and suggests simple, realistic actions (e.g., move one card to minimum-only for 30 days to stabilize cash flow). This is not magic: it won’t reduce your APR by itself, and it won’t fix overspending. It simply makes consistent extra payments easier, reduces missed payments, and keeps the plan from collapsing when life gets messy.