Toya AI - AI Debt Payoff App

Toya AI is the AI-powered debt payoff app that analyzes your credit cards and loans, builds the fastest payoff plan, and shows your debt-free date — so you can stop guessing and start saving on interest.

Stop paying minimums and hoping for the best. Toya connects to your accounts securely, reads your balances, APRs, and due dates, and uses AI to create a personalized debt payoff plan that actually works. No spreadsheets. No manual entry. Just connect and go.

HOW TOYA AI WORKS
1.⁠ ⁠Connect your accounts — Link credit cards, student loans, auto loans, and more through Plaid, Spinwheel, and Quiltt. Bank-grade encryption keeps your data safe.
2.⁠ ⁠See your debt-free date — Toya calculates exactly when you will be debt-free with your current payments, and shows how much faster you can get there.
3.⁠ ⁠Follow your AI payoff plan — Toya recommends which debt to pay first and how much to pay, optimizing for the most interest saved and the shortest timeline.
4.⁠ ⁠Stay on track automatically — When balances change, or life happens, your plan adapts in real time. No restarting, no guessing.

WHY TOYA AI — NOT ANOTHER DEBT CALCULATOR
Most debt payoff apps are glorified calculators. You enter numbers manually, pick snowball or avalanche, and get a static spreadsheet. When anything changes, you start over.

Toya is different. It connects to your real accounts, reads your real balances and APRs, and uses AI to continuously optimize your payoff plan — not just once, but every time something changes. That means smarter payment order, more interest saved, and a shorter path to debt freedom.

WHAT YOU GET WITH TOYA
•⁠ ⁠AI-Powered Payoff Optimization — Not just snowball or avalanche. Toya uses AI to find the smartest payoff order based on your real data, saving you more in interest than any static calculator.
•⁠ ⁠One Dashboard for All Debts — Credit cards, student loans, auto loans, personal loans, and mortgages in one place. See balances, APRs, due dates, and utilization at a glance.
•⁠ ⁠Adaptive Plans — Your debt payoff plan updates automatically when balances change, new payments post, or your cash flow shifts. Other apps make you start over.
•⁠ ⁠Interest Impact Tracking — See exactly how much each payment saves you in interest over time. Know the real cost of paying minimums vs. following your Toya plan.
•⁠ ⁠Credit Utilization Insights — Track utilization trends across all your credit cards. Understand how payoff progress improves your credit score over time.
•⁠ ⁠Smart Alerts & Nudges — Get reminders before due dates, notifications when a smarter payment move is available, and milestone celebrations as you pay down debt.
•⁠ ⁠Next Best Payment — Toya tells you exactly what to pay next, how much, and why. One clear action, every time.

SUPPORTED DEBT TYPES
•⁠ ⁠Credit cards (Visa, Mastercard, Amex, Discover)
•⁠ ⁠Student loans (federal and private)
•⁠ ⁠Auto and car loans
•⁠ ⁠Personal loans
•⁠ ⁠Mortgages
•⁠ ⁠Medical debt
•⁠ ⁠And more

YOUR DATA STAYS PROTECTED
Toya connects through trusted partners including Plaid, Spinwheel, Quiltt, and Fincity. All connections use bank-grade encryption. Toya never sells or shares your personal data. You control what you connect and what you delete. Connecting does not impact your credit score.

PRICING
•⁠ ⁠Free: Connect accounts, see all debts in one place, view balances and due dates.
•⁠ ⁠Pro ($6.33/mo billed yearly): AI payoff optimization, adaptive plans, smart nudges, interest-saving insights, credit utilization tracking, progress milestones, and priority support. 14-day free trial, no card required.

Download Toya AI and see your debt free date in under two minutes.