A mobile-first app where users input their income, debts, and expenses once, and the tool automatically generates an optimized payment plan (avalanche or snowball method), sets weekly spending guardrails, and sends real-time nudges when spending deviates from plan. It connects to bank accounts for automatic tracking and adjusts the plan dynamically when income or expenses change.

Rising consumer debt, high interest rates, and cost-of-living pressures are pushing more young adults into financial distress. Existing budgeting apps track spending but don't prescribe and enforce a debt-elimination strategy — the gap between awareness and action is where users are stuck.