DebtPilot AI turns debt confusion into a clear, step-by-step payoff plan.
Organize every debt, compare payoff strategies, explore consolidation options, track progress, and move toward financial breathing room — with AI-powered guidance built for individuals, families, coaches, agencies, and employers.
From overwhelmed to in control
DebtPilot AI moves you from scattered statements to a single, calm, actionable plan.
Everything you need to pay debt down with confidence
Real numbers. Real plans. No guarantees, no demo data.
Debt dashboard that actually makes sense
Total debt, weighted-average APR, debt-free date, and AI next best action — at a glance.
Snowball, avalanche & AI-optimized payoff
Compare strategies side-by-side. See interest saved, months shaved, and pick what you'll stick with.
Consolidation comparison — safely
Loan and balance-transfer math with honest warnings. No guarantees, no pressure.
Budget & cash-flow planner
Irregular income mode, safe-to-pay amount, and 6-month cash-flow forecast.
Smart bill reminders
Severity-aware alerts that escalate as due dates approach. Protect your on-time streak.
Documents & PDF reports
Upload statements and collection letters. Generate clean reports for coaches and counselors.
AI Agents as Skills
Modular agents that act on your real numbers — never demo data. Each comes with safe disclaimers and avoids legal, tax, bankruptcy, or guaranteed-savings claims.
Friendly summary of your position, risks, and next best actions.
Snowball vs. avalanche with real numbers from your accounts.
Suitability score and safer alternatives, with honest warnings.
Surfaces likely spending leaks and emergency-mode suggestions.
Builds a severity-aware reminder schedule for upcoming due dates.
Educational utilization and payment-history insights.
Calm, respectful call scripts and follow-up templates.
Extracts creditor, balance, and urgency hints from uploads.
Flags accounts at risk of fees, rate hikes, or collections.
Weekly reflection, encouragement, and the next small step.
Built for the way real people manage debt
See all your debts, pick a strategy, and stay on track.
Shared household dashboard, family budget, and goals.
Irregular-income planning with paycheck-based debt scheduling.
Friendly learning mode and beginner-safe payoff plans.
Manage clients, assign tasks, generate PDF reports.
DMP tracking, intake queue, compliance logs.
Privacy-preserving aggregate wellness insights.
Secure by default. Calm by design.
Tenant isolation, JWT auth with refresh tokens, audit logs, role-based access control, and privacy-preserving employer analytics. We tell you what we know and what we don't — and we never claim to fix your credit, settle your debt, or guarantee approval.
- Strict tenant data isolation
- Encrypted secrets, secure document storage
- Granular role and permission model
- Account deletion and data export available
Important honesty
DebtPilot AI provides educational planning tools, not legal, tax, credit repair, bankruptcy, or financial advice. We do not guarantee debt reduction, loan approval, creditor participation, or credit score improvement. Please consult qualified professionals for regulated advice.
Start free. Upgrade when you're ready.
Free for individuals tracking up to 3 debts. Paid plans add AI optimization, consolidation tools, documents, reports, and team features for coaches, agencies, and employers.
See pricingFrequently asked
Does DebtPilot AI settle my debt or talk to creditors for me?▾
No. DebtPilot AI is a planning and organization tool. You stay in control of every conversation and payment.
Will using DebtPilot AI improve my credit score?▾
We can't promise any score change. Our Credit Health skill provides educational utilization and payment-history insights only.
Do you use demo data?▾
No. Dashboards and AI outputs use only the real numbers you enter. Empty states guide you in until you do.
Is my data private?▾
Yes. Every record is scoped to your tenant. Employer dashboards only ever show anonymous aggregates.
You're not alone in this.
Start with one debt. Then another. DebtPilot AI keeps the plan calm, clear, and yours.