DebtYa

Get out of debt with a clear plan — no guessing

DebtYa analyzes your debts and tells you exactly what to pay, when, and why.

Three simple steps

Connect your bank

See your personalized plan

Follow your suggested payments

Why DebtYa

Save on interest
Reduce financial stress
Have a clear plan

Frequently asked questions

Short answers about how DebtYa fits into your routine.

What is DebtYa?

DebtYa is a simple workspace to connect your bank (via Plaid), list your debts, choose a payoff strategy, use light automation with rules, and move from suggested payments to what you actually ran—so you always know what happened.

Do I need to connect my bank?

Connecting your bank keeps balances and imports up to date and makes linking debts easier. The product is designed around connected accounts for accurate numbers.

Why review APR and minimum payment?

Imports can suggest APR and minimum payment, but your statement is the source of truth. Double-check before saving a debt so your plan matches reality.

How does billing work?

DebtYa Beta is billed monthly through Stripe. When you use "Get started" while signed in, you complete checkout securely and return to the app with your subscription status updated.

Can I cancel anytime?

Yes. You can manage billing through your customer portal when your plan is active, or reach out to support for help.

Who can I contact for help?

Email support@debtya.com. The in-app assistant can answer general how-to questions, but it does not replace your lender, advisor, or official documents.

DebtYa Beta

Everything you need to connect accounts, organize debts, automate useful rules, and turn your strategy into real payments.

$9.99

per month

Secure bank connection

Account and transaction import

Debt creation and tracking

Automatic rules such as roundup or fixed amount

Avalanche vs snowball comparison

Prepare, approve, and run suggested payments

Payment history you can review anytime

Steady foundation for month-to-month use

If you are already signed in, "Get started" continues to secure checkout. Otherwise you will sign in or create an account first.

Tu próximo paso

See your plan. Take the next step.

Your bank, your debts, and the next payment—here in one view.

Total debt

$0.00

Active debts

Suggested payments waiting

Payments completed

Simulación de salida de deuda

Balance total de deudas

$0.00

Pagos mínimos mensuales estimados

$0.00

Deuda más urgente por APR

Sin datos de APR por ahora.

Estrategia recomendada

Snowball

Estimación aproximada basada en tu perfil

Esto es una simulación. No ejecuta pagos reales.

Avalanche: pagar primero APR más alto para reducir intereses.

Snowball: pagar primero balance bajo para cerrar cuentas más rápido.

1Connect bank (Plaid)

Step 1: connect your bank and import accounts/transactions.

Main flow

More — rules & payments

Use this block only for Plaid connection and imports.

By connecting an account, you authorize DebtYa to receive financial information needed for the service through trusted third-party providers. Please also review our Terms and Privacy Policy.

2Debts

Add cards and loans. Link a bank account when it helps.

Connect your debts

DebtYa can look up your real debts to build your plan automatically.

Phone

Date of birth

Before you save, review APR and minimum payment. They may be suggested starting values—compare with your statement and edit if needed. Highlighted fields came from your import and are easy to change.

Create debt from imported account

Choose a credit or loan account you already imported to pre-fill this form. APR and minimum payment are starter values—adjust them to match your statement.

Name

Balance

APR

Minimum payment

Payment day

Type

Linked bank account (optional)

After you connect your bank and import accounts, you can match one here.

Rules

Three ways to steer extra money toward your debts when you apply rules.

Pick one style per rule: a fixed add-on, a percent of each purchase, or rounding up spare change. Then use Apply rules under Actions after importing transactions.

Pay-down style

Fixed amount

Same extra amount applied when you run Apply rules (for example after each import), toward the debt you choose below.

Target debt

3Payment plan

Set strategy, mode, and monthly budget.

Strategy

Mode

Pay from (account)

Choose the checking or savings account you pay from. It is stored on new suggested payments when you prepare them.

Pay toward (debt)

Optional: highlight which debt you consider the main target. Suggested payments can still follow your strategy across multiple debts.

Monthly budget

Monthly extra

More plan options

4Suggested payments

Review suggested amounts, approve what looks right, then run them when you are ready.

More list options

Last response

Approved — ready to run Draft or waiting — needs your OK Done — applied to your balances

History

See payments and how your balances changed.

Connected accounts

Synced from your bank: cash accounts and debts in separate groups.

DebtYa

Get out of debt with a clear plan — no guessing

Three simple steps

Connect your bank

See your personalized plan

Follow your suggested payments

Why DebtYa

Frequently asked questions

DebtYa

Choose a new password

DebtYa

Tu próximo paso

See your plan. Take the next step.

Simulación de salida de deuda

1Connect bank (Plaid)

2Debts

Connect your debts

Rules

3Payment plan

4Suggested payments

History

Connected accounts

Spinwheel payment summary