Hey Product Hunt! 👋 Wasay here — founder of Clavira. I built this because I was drowning in credit card debt and couldn't find a single tool that actually told me what to do — not just showed me charts. Every app I tried gave me a dashboard. None of them said "pay THIS card first, use THIS card for groceries, and here's exactly how to redeem your points for 2x more value." So I built Clavira. Here's what makes it different: 🏦 Real bank data — connects via Plaid (same as Venmo/Coinbase), not manual entry 🤖 AI payoff engine — 7-factor algorithm that detects your income, analyzes your spending, and builds a month-by-month payoff plan specific to YOU 💳 50-card optimizer — scores every major US credit card against your actual spending and tells you which 1-2 cards would earn you the most — after fees ✈️ Transfer partner analysis — shows you when your points are worth 2-3x more transferred to airlines/hotels vs taken as cash back 📈 Credit score engine — estimates your score from real utilization data and tells you exactly what to fix The numbers that motivated me to build this: Average American carries $6,000 in CC debt At 22% APR that's $1,200/year in interest gone Meanwhile their rewards points sit unused Free plan is genuinely useful. Premium is $9.99/month and pays for itself many times over. Happy to answer any questions, especially about the AI engine, the card optimizer algorithm, or how we handle bank security. Ask me anything! 🙌

Clavira Finance

AI powered Credit Card optimizer.

AI powered Credit Card optimizer.