PayoffPilot

PayoffPilot is a mobile + web app (traditional app with light AI) that turns messy debt payoff into a weekly, executable plan. Users connect accounts (or enter balances manually), then choose Snowball, Avalanche, or a hybrid strategy that factors in minimum payments, due dates, interest changes, and cash-flow constraints. The app generates a “next 7 days” checklist: which payment to make, how much, and what it changes in payoff date and interest saved. It also handles real-life disruptions: late fees, promo APR expirations, income gaps, and unexpected expenses—recomputing the plan without pretending you’ll be perfect. The AI layer is limited and practical: it classifies transactions to estimate safe extra-payment capacity and drafts short, realistic “what to do this week” guidance. The goal isn’t motivation quotes; it’s fewer missed payments and faster payoff with less mental overhead.