How it works
01
Credit cards, student loans, car payments — all in one place.
02
Avalanche, snowball, or custom. We show you the math.
03
AI keeps you motivated and on track until you reach zero.
Features
See your exact debt free date based on real numbers.
Ask anything about your specific debts — get personalized answers.
Get alerted before payments are due, automatically.
See which method saves you the most money.
Watch your balances drop in real time.
Celebrate every win along the way.
Pricing
Start free, no credit card required. Upgrade when you're ready.
Free tier always available — track up to 3 debts forever.
FAQ
Yes. Your data lives in Supabase with row-level security so no one — not even other Pavvlo users — can read it. We never sell data, ever.
Yes, cancel in one click from settings. You keep access through the end of your billing period.
Avalanche pays the highest-interest debt first and saves you the most money. Snowball pays the smallest balance first and gives you faster early wins. Pavvlo shows you both — and lets you pick what works for you.
Nope. Pavvlo doesn't touch your bank. You enter balances manually, which keeps everything private and under your control.
It reads your debts (balances, rates, payments) and gives you specific, personal answers powered by Claude — no generic templates.