Problem
Student loans heavily impact 42.8 million Americans. The average borrower owes roughly $39,547 at an ~8.03% interest rate, ultimately paying nearly double their principal due to interest. Compounding this is a steep financial literacy gap: 62% of adults regularly outspend their income (including 52% of high earners making over $75,000), and 64% of young adults lack a 3-month emergency fund.
Insight
Traditional payoff strategies like Snowball or Avalanche are mathematically non-optimal. They fail to account for fluctuating cash flows, irregular bills, and personal milestones. Borrowers don’t just need a static calculator; they need a dynamic answer to one critical question: “How much extra can I safely put toward my debt right now without putting the rest of my financial life at risk?” In a recent survey we performed of over 50 respondents, more than 66% of our target users signed up for our waitlist, and 71% stated they would be willing to try our product.
Solution
Our web application safely accelerates debt payoff by continuously analyzing three financial rhythms:
Regular: Tracks income and bills for core monthly needs.
Semi-Regular: Factors in infrequent costs to avoid credit card reliance.
Non-Regular: Aligns payoff with emergency funds and milestones.
The app automatically facilitates optimized extra payments only when the user’s broader cash flow safely permits it.
Value-Based Pricing
We charge 15% of estimated interest savings, capped at $20/month. If we cannot safely save you money in a given month, you pay nothing.
If you save $10, we charge $1.50
If you save $100, we charge $15
If you save $1,000, we charge $20 (Capped)
Why Us?
We are two engineers with 10 yrs experience in aerospace, medical devices, and consumer electronics. What started as a personal tool has already successfully optimized the budgets and debt strategies of over 10 friends and family members. We are now building the software to scale this framework to millions of borrowers.