The First App for Financial + Emotional Wellbeing
We Take the Guesswork Out of Debt.
No budgeting. No learning. No overthinking. Ovr handles the plan — you just follow it.
Results vary based on individual behavior and financial situation.
First 1,000 get 3 months Premium FREE
How It Works
Get from overwhelmed to debt-free in three simple steps. No financial expertise needed.
Connect Your Cards
Link securely via Plaid or enter manually. Takes 2 minutes. Bank and credit card connections are powered by Plaid. Ovr never sees or stores your bank login credentials.
Get Your AI Guidance Plan
Our AI analyzes your debt and creates personalized weekly payment guidance. Modeled examples show structured plans may reduce timelines by up to 40%.
Stay on Track + Find Calm
Visual progress tracking designed to show you getting closer to freedom. Access the Calming Center for reflection and clarity whenever stress hits.
Like what you see?
Join 800+ people getting early access. First 1,000 get 3 months Premium FREE.
No credit card • Unsubscribe anytime
First 1,000 get 3 months Premium FREE (worth $17.97)
Take a Tour of Ovr
See exactly how you'll go from stressed about debt to confidently debt-free
Chase Sapphire
•••• 4242
Citi Double Cash
•••• 5353
Amex Blue
•••• 6464
Connect Your Cards Securely
Link your credit cards in seconds through Plaid, or enter details manually—whichever you prefer. Ovr gives you a complete view of your debt:
✓ Total balance across all cards
✓ Average interest rate (APR)
✓ Combined minimum payments
✓ Individual card details and progress
✓ Payment due dates at a glance
No more logging into multiple websites or juggling different apps. Everything you need is right here—organized, clear, and stress-free.
🔒 Your data is protected with bank-level AES-256 encryption. We have read-only access and never store your login credentials.
Everything You Need to Get Debt-Free
AI-powered debt payoff + mental wellness support, all in one app
AI Payment Optimizer
Designed to help you explore personalized weekly payment strategies and modeled interest savings
Calming Center
Built to support reflection and clarity with guided meditations and breathing exercises for financial stress
Mindfulness features are for reflection and clarity only and are not medical or mental health services.
Real-Time Progress Tracking
Designed to show your debt reduction week by week with visual charts and milestone celebrations
Secure Plaid Integration
Bank and credit card connections are powered by Plaid. Ovr never sees or stores your bank login credentials.
Multi-Card Management
Designed to help you track unlimited credit cards in one place with individual progress for each
Weekly Action Plans
Ovr suggests weekly payment ranges and shows how different choices may affect your estimated payoff timeline
Debt Snowball & Avalanche
Designed to help you choose between proven strategies or let AI suggest the best method for your situation
Budget Tracking
Built to help you set weekly budgets and track spending to stay on plan
Smart Payment Reminders
Designed to help you never miss a due date with intelligent notifications and payment tracking
The Calming Center is FREE on every plan—because mental health shouldn't cost extra
Like what you see?
Join 800+ people getting early access. First 1,000 get 3 months Premium FREE.
No credit card • Unsubscribe anytime
Choose Your Plan
Start with smart calculations, add AI when you need it
All plans include full Calming Center access • Cancel anytime • No contracts
Payments and autopay are initiated through third-party providers. Ovr does not hold or transfer user funds.
Don't Let Another Month of Interest Slip By
Join 800 people already on the waitlist. Get instant access when we launch.
Ovr is designed to help you explore payment strategies that may reduce interest over time. Take 30 seconds now to secure your spot and lock in your FREE Premium upgrade.
Ovr provides financial guidance and educational insights only. Results vary based on individual behavior and financial situation.