DueDateNudge

DueDateNudge is a mobile + web app that turns debt payoff into a calendar-driven routine instead of a vague goal. You connect accounts (or manually enter balances) and the app builds a “payment runway”: exact due dates, minimums, and a realistic extra-payment plan based on your cash-flow. It then nudges you at the only moments that matter—right after payday, a few days before due dates, and when your balance drops enough to justify a refinance/transfer check. The AI layer reads your transaction patterns to forecast whether you’ll be short before a due date and suggests a specific, doable move (move $40 from dining this week, shift payment date, or split payment). It also generates short scripts for calling issuers to request APR reductions or hardship plans. It’s not magic: it’s disciplined execution with fewer missed payments and fewer late fees.