DebtYa

Pay down debt with more structure and less stress.

Get out of debt with a clear plan — no guessing

DebtYa does not move money or read your accounts for you. Add your debts manually, build a plan, see what to pay today, and confirm when you have paid your lender.

How DebtYa works

1

Add your debts manually

2

Create your payoff plan

3

DebtYa calculates your next payment

4

Pay your lender outside DebtYa

5

Tap I paid it

6

Track your progress

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 workspace to list your debts, choose a payoff strategy, see a recommended next payment, and mark what you paid. DebtYa does not move money for you.

Does DebtYa need my login credentials?

No. You enter balances and details yourself from your statements. That keeps you in control and avoids sharing logins with DebtYa.

Does DebtYa send payments for me?

No. You always pay your lender or bank yourself. DebtYa recommends what to pay next and you confirm in the app after you have paid.

Why review APR and minimum payment?

Your statement is the source of truth. Double-check APR and minimum payment before saving a debt so your plan matches reality.

How much does DebtYa cost?

During the manual-first beta, DebtYa is free. Get started creates an account or signs you in. If we introduce paid plans later, we will show clear pricing before any charge.

What is Avalanche vs Snowball?

Avalanche prioritizes higher-interest debt first. Snowball prioritizes lower-balance debt first to build momentum.

Is DebtYa a financial advisor?

No. DebtYa is a debt copilot and educational organization tool, not a bank and not regulated financial, legal, tax, or credit advice. For account help email contact@debtya.com.

DebtYa Beta

Everything you need to organize debts manually, follow a clear plan, and see your next payment line.

Free during beta
No charge while we refine the manual-first experience.
Manual debt tracking with clear balances and progress
Payment plan and avalanche vs snowball comparison
Next payment line aligned to your strategy
Progress tracking as you pay down balances
Payment history you can review anytime
Confirm what you paid and track progress
Soon: optional email and/or SMS reminders for when to pay, how much, and why we recommend that payment.
Recommendations are estimates; verify balances, APR, minimums, and payments with your creditors.
If you are already signed in, Get started opens the app. Otherwise you will sign in or create an account first.

Coming soon: you will be able to turn on optional reminders by email and/or SMS. Nothing is sent until you opt in and the feature is available.

When available, opting in means you agree to receive DebtYa reminder messages. Message and data rates may apply for SMS. You can reply STOP to SMS to opt out. Email and SMS preferences will be available in your account when we ship them. Marketing email will include an unsubscribe option when we send any.