DebtDraft

DebtDraft is a mobile + web app (traditional app with light AI) that turns messy consumer debt into a realistic payoff schedule you can actually follow. Users connect accounts (credit cards, loans, checking) and the app builds a weekly “safe-to-pay” amount based on income timing, bills, and a minimum-cash buffer so you don’t overdraft. It then allocates payments across debts using a chosen strategy (avalanche, snowball, or hybrid), and generates calendar reminders plus one-tap payment links (or bank bill pay instructions). The AI component flags when your plan is becoming unrealistic (spending spikes, missed payments, rate changes) and suggests small, specific adjustments rather than generic advice. The app focuses on execution: clear next payment, exact amount, and why it won’t break your budget. It does not promise credit-score miracles.