Hey Product Hunt! 👋

I'm Anthony, the maker behind SnapFree.

Here's the short version: US credit card debt just hit $1.14 trillion. The average household is paying over $1,200/year in interest alone. At minimum payments, you're looking at 15–20 years to pay it off.

I built SnapFree because the existing tools are broken:
Budgeting apps track your spending but don't coach you
Dave Ramsey gives generic advice with zero personalization
Tally raised $200M as a lender disguised as a tool, then shut down when rates rose
Credit Karma literally makes money selling credit cards to people in debt

SnapFree is different. We're a coach, not a lender. Our incentives are aligned: we win when you pay off your debt.

How it works:
🔗 Connect your cards (via Plaid or manually) — we auto-sync balances, APRs, and due dates
📊 Get a personalized payoff plan — avalanche, snowball, or hybrid
🤖 AI coach that actually knows your spending — not generic tips, but nudges based on your real transactions
💡 What-if scenarios — "What if I throw an extra $100/month at this card?"
🔍 Subscription audit — find hidden charges you forgot about

The product is live right now: fully functional with Stripe billing, Plaid bank connections, GPT-4o coaching, and bank-grade encryption.

Free tier gets you started with manual entry and a payoff calculator. Paid plans start at $4.99/mo for auto-sync, with full AI coaching at $12.99/mo.

I'd genuinely love your feedback, especially on:
What would make you trust an AI with your financial data?
What features would you want to see next?

Thanks for checking it out! Happy to answer any questions. 🙌

SnapFree

AI coach that helps you crush credit card debt for good

AI coach that helps you crush credit card debt for good