Stop managing debt. Start accelerating wealth.
Wealth-Acceleration AI builds a personalized strategy designed to help you eliminate debt faster, reduce interest expense, improve cash flow, and redirect more of your money toward building wealth — across credit cards, auto loans, student loans, personal loans, HELOCs and your mortgage.
You're not bad with money. You're just paying interest on a plan somebody else built — your credit card companies and lenders.
7-day free trial · Read-only bank connections · Cancel in two taps
Projected debt-free date
March 2029
Interest saved
$18,442
Strategy
Snowball
Roll-up
$540/mo
Years cut
6.4
8 years
Earlier to debt free
The average payoff acceleration achieved by clients using the original Wealth Acceleration Program this platform is built on.
$21,400
Average interest never paid
What a $10k+ multi-debt profile typically hands to lenders when payments are made in the wrong order.
78%
Live paycheck to paycheck
Financial stress is rarely an income problem. It's a sequencing problem — and sequencing is automatable.
Who this is built for
You pay your bills. That's exactly why interest is costing you so much.
Wealth-Acceleration AI isn't debt relief or debt settlement. It's built for the financially responsible household — someone who earns, pays on time, and has realized that inefficient debt repayment is the thing quietly preventing them from getting ahead. Credit cards, auto loans, student loans, personal loans, HELOCs and mortgages all belong in the same plan.
Young Professionals
Ages 20–34
Student loans, credit cards and an auto loan all competing for the same paycheck.
“Stop spending the next 20 years paying yesterday's bills.”
Family Wealth Builders
Ages 30–49
A mortgage, vehicles and revolving balances layered on top of family expenses.
“What if the money going to interest could start building your wealth?”
Peak Earners
Ages 45–60
Strong income, but substantial debt is still dictating what's possible each month.
“You earn too much money to still be controlled by debt.”
Pre-Retirement
Ages 55–70
A remaining mortgage and consumer balances heading straight into a fixed income.
“Don't take your mortgage and consumer debt into retirement.”
Sixty seconds, no account and no credit pull.
The Smith household
Same income. Same debt. Same $4,241 a month. The only thing that changes is the order the money moves in — cards and loans first, then every freed-up dollar rolls into the HELOC and the mortgage. That order is worth fifteen years.
Current strategy
Minimums on the cards and loans, the scheduled mortgage payment, nothing rolled forward.
- Consumer debt
- $68,000
- Mortgage balance
- $327,000
- Monthly debt payments
- $4,241
- Projected interest paid
- $393,500
- Consumer debt free at
- Age 48
- Mortgage free at
- Age 71
Wealth-Acceleration AI strategy
Consumer debt first, then the whole payment rolls into the HELOC and mortgage.
- Consumer debt
- $68,000
- Mortgage balance
- $327,000
- Monthly debt payments
- $4,241
- Projected interest paid
- $190,200*
- Consumer debt free at
- Age 47*
- Mortgage free at
- Age 56*
MORTGAGE FREE 15 YEARS EARLIER*
What could your number be?
Thirteen questions, sixty seconds, no account and no credit pull. Get your Debt Freedom Score™ and your two payoff dates — consumer debt and mortgage — side by side.
*Illustration only. The Smith household is a composite example, not a client. Figures are modeled projections assuming $36,000 of card debt at 24.5% APR, $22,000 of auto debt, $10,000 in personal loans and a $327,000 mortgage at 6.5% with a $2,150 monthly payment, all held constant with no new borrowing and no missed payments. The current path pays minimums plus the scheduled mortgage payment with nothing rolled forward; the accelerated path clears consumer debt first, then redirects that same total payment into the mortgage. Individual results vary. Wealth-Acceleration AI provides debt acceleration software and education, not financial advice, and does not guarantee savings or payoff dates.
The acceleration math
Four steps between today and your debt-free date
- 01
Connect your debts
Link credit cards and personal loans through a read-only, bank-grade connection. We can see balances and rates. We can never move your money.
- 02
Get your strategy call — from the AI
Wealth-Acceleration AI sorts every balance by APR, size and minimum payment, then recommends snowball or avalanche with the projected difference in dollars and months.
- 03
Roll every freed-up payment forward
Each payoff releases a monthly payment. Instead of absorbing it into life, Wealth-Acceleration AI redirects it into the next target balance. That compounding is the whole game.
- 04
Stay accelerated as life changes
New rate, bonus, unexpected expense, or a new debt? Your plan adjusts and tells you what changed about your debt-free date — before it costs you.
The system
A calculator tells you the truth once. A co-pilot keeps you on course.
Wealth-Acceleration AI is the productized version of a debt elimination program that got hundreds of planning clients debt free roughly eight years early. Same discipline. No advisor appointment required.
Every balance in one place, automatically
Securely link credit cards and personal loans read-only. Balances, APRs and minimums stay current without you touching a spreadsheet again.
The right strategy chosen for you
Snowball for momentum, avalanche for maximum interest savings. Wealth-Acceleration AI reads your actual debt profile and tells you which one gets you free faster — and why.
A financial roadmap with an end date
Your personalized payment plan shows the exact payoff order, your projected debt-free date, and total interest saved down to the dollar.
Roll-up reallocation suggestions
When a balance dies, its payment doesn't. We tell you exactly where to roll that monthly amount next — the core of the Wealth Acceleration method.
Progress you can feel
Watch the curve fall. Debt eliminated, balance remaining, and months shaved off retirement — visualized every time you log in.
Never pay another late fee
Payment reminders timed to your plan, not just your due dates, so one missed payment never resets your momentum.
Know what your lender knows
A searchable library on debt payoff, investing, wealth accumulation and early retirement — written in plain English, not bank language.
A human when you need one
In-app chat and email support from people who understand debt stress. Because financial freedom shouldn't come with a support ticket queue.
People who did the math themselves — and still switched
“I had $34,000 spread across five cards and a personal loan, and I genuinely could not tell you which one to attack first. Wealth-Acceleration AI answered that in about four minutes and moved my debt-free date up by five years.”
Alex Moreno
Senior Engineering Manager, mid-market SaaS company
“I'm the person who builds spreadsheets for fun, so I was ready to be unimpressed. It beat my model — mostly because it kept rolling the freed-up payments forward when I would have quietly spent them.”
Sarah Kellerman
Growth Lead, growth-stage startup
“Two incomes, good jobs, still paycheck to paycheck. Seeing the interest number we were about to hand the banks was the shove we needed. We're eleven months in and the curve is finally going the right way.”
Jordan Reyes
Product Manager, digital agency
Pricing
Less than the interest you'll pay this week
Both plans start with a 7-day free trial. No card charged until your financial roadmap is in front of you.
Starter
Your payoff order, settled once and for all.
$8.99/month
- Secure account aggregation (credit cards, personal loans)
- Automated debt sorting + snowball/avalanche recommendation
- Personalized payment plan with projected payoff date
- Total interest savings projection
- Manual payment reallocation suggestions
Pro
The complete co-pilot: tracking, reminders, and AI adjustments.
$14.99/month
- Everything in Starter
- Progress tracking and debt acceleration visualizations
- Payment reminder notifications
- What-if scenarios (extra payments, income changes, new debt)
- AI-driven dynamic plan adjustments
- Educational content library
- Customer support via in-app chat and email
Compare Plans
What changes at $14.99/month?
Pro unlocks the tools that keep you on track and save you the most money: automation, alerts, and AI coaching.
The objections, answered directly
Every dollar of interest is a dollar that never became wealth.
Start redirecting it.
Seven days, no charge, and a real financial roadmap at the end of it — one plan across your cards, loans, HELOC and mortgage that eliminates debt faster and frees up cash flow.