PayWise AI Budget Planner
AI debt payoff planning for better money habits
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PayWise AI Budget Planner - Debt payoff planning without bank linking

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PayWise AI helps people plan debt payoff without linking a bank account. Track balances, due dates, payments, and payoff progress, compare snowball and avalanche style plans, and use AI-guided prompts to review money habits. It is a private planning tool for personal organization, not a lender, credit repair service, debt settlement provider, or financial adviser.

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Hunter
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Hi Product Hunt, I built PayWise AI for people who want a simpler way to plan debt payoff without connecting a bank account. The app helps track balances, due dates, payments, payoff progress, and money habits. The goal is not to replace a full budgeting platform or give regulated financial advice. It is a focused planning tool for people who want repayment clarity and a private manual workflow. PayWise is now available on iOS and Android. I would love feedback on: 1. Whether the “no bank linking” positioning is clear 2. Which screenshot explains the product fastest 3. Whether debt payoff, budgeting, or habit tracking should lead the store listing