PaydownPilot

PaydownPilot is a mobile + web app that turns messy debt payoff into a weekly execution plan you can actually follow. Users connect accounts (credit cards, loans) and the app builds a payoff schedule that balances math (interest) with behavior (cash-flow reality). The core is a “Paydown Calendar” that suggests specific payment amounts on specific dates, with guardrails so you don’t overdraw. It also tracks due dates, minimums, and reports the real cost of delaying payments in dollars (not vague percentages). This is not a miracle app: it won’t erase debt and it won’t replace income. What it can do is stop late fees, reduce interest leakage, and keep users consistent. An AI assistant helps users adjust the plan when life happens (unexpected bills, pay changes) and explains tradeoffs in plain language.