DebtAutopilot

DebtAutopilot is a mobile + web app (traditional + AI) that keeps your debt snowball/avalanche plan accurate without constant manual updates. Users connect accounts (credit cards, loans, checking) and set a monthly payoff budget and risk preference (aggressive vs. buffer). The app continuously recalculates the best payoff order (snowball, avalanche, or hybrid) based on real balances, APR changes, due dates, minimums, and upcoming cash-flow. The AI layer explains tradeoffs in plain language (“pay Card B first saves $214 interest but increases missed-payment risk by X”) and flags dangerous patterns like creeping utilization or late-fee risk. It also generates a weekly “next 3 moves” checklist and can draft payment schedules you approve. This is not a budgeting app; it’s a narrowly focused payoff controller that adapts automatically and reduces decision fatigue while preventing costly mistakes.