PayoffPilot

PayoffPilot is a mobile + web app that builds a realistic, week-by-week debt payoff plan using your actual cash flow. Users connect accounts via Plaid (or manually add balances), then the app identifies “payment collisions” (weeks where bills, minimums, and life expenses exceed income) and proposes a survivable schedule: which card to pay extra, when to pause extra payments, and how much buffer to keep. It supports common scenarios people actually face: irregular paychecks, multiple cards, BNPL, medical bills, and collections. It also generates negotiation scripts and settlement ranges for delinquent accounts, and tracks whether a plan is working by monitoring spending drift. This is an AI + traditional app: AI explains tradeoffs in plain language and suggests adjustments, but users can lock rules (e.g., never miss rent, keep $300 buffer).