PayoffPath

PayoffPath is a mobile + web AI-assisted credit decision and payoff planner that shows the real cost of using credit before you swipe. Connect your cards via open banking, then set a payoff target (e.g., “debt-free by March” or “keep utilization under 20%”). When you’re about to buy something, you enter the amount (or forward an online cart receipt) and the app instantly translates it into: extra interest paid, added months to payoff, and the minimum extra payment needed to stay on track. It also flags risky patterns (stacking BNPL + revolving balances, repeated cash-advance-like transactions) and suggests a single next action: pay $X now, move purchase to lower APR card, or wait. It’s not a budgeting app; it’s a “consequences calculator” tied to your actual balances and APRs.