Honest Debt: AI Payoff Manager

Honest Debt is a calm, honest way to plan your way out of debt — no account numbers, no bank logins, and no money movement. You type in your debts; we show you the honest math.

YOUR HONEST PLAN
• Three clear strategies — Avalanche (least interest), Snowball (quick wins), or Lower Bills (free up your budget fastest)
• A month-by-month payoff timeline with your debt-free date
• Honest numbers: total interest, interest saved, and what an extra payment really changes
• Log payments and watch your plan recompute around real life

GUIDANCE, NOT ADVICE
• Ask Honest — an AI coach that explains your plan in plain English, using your real numbers
• The app does all the math; the AI only explains it — and serious situations are referred to licensed nonprofit credit counselors (NFCC members)

BUILT FOR THE PERSON, NOT JUST THE DEBT
• Debt Stress Index — track how it feels, not just what you owe
• See your stress and your balance on one chart, with gentle insights
• Calm milestones: "One debt gone."
• A weekly reflection and a monthly note from Future You

PRIVATE BY DESIGN
• No bank connections, ever — only what you choose to share
• Face ID lock, data export, and one-tap account deletion

HONEST DEBT PRO (optional auto-renewing subscription)
• Scenario simulator on your own numbers
• Unlimited plain-English plan explanations
• Export your full payoff plan as a PDF
Monthly or yearly. Payment is charged to your Apple ID and renews unless cancelled at least 24 hours before the period ends. Manage or cancel in your App Store settings.

Terms: https://exafabs.ai/honestdebt/terms
Privacy: https://exafabs.ai/honestdebt/privacy-policy

Educational guidance only — not financial, legal, or tax advice. For personalized help, nonprofit credit counselors (NFCC members) are available at no cost.