A web and mobile app connects accounts or accepts manual balances, APRs, due dates, promotional rate expirations, income, savings, and bill obligations. It produces a ranked action plan, payoff calendar, emergency cash buffer target, lender contact scripts, hardship/settlement task tracking, and alerts before 0% offers expire or bills become critical.

High consumer debt, elevated card APRs, job instability, and rising living costs are pushing more people into complex debt tradeoffs. Open banking and automated cash-flow analysis now make personalized debt triage practical for everyday consumers.