Pay off debt faster.
Without the stress.
Ovr creates a personalized weekly payment plan based on your actual debt and income. Use the calculator below to see your projected savings.
How it works
From overwhelmed to debt-free in three simple steps
Connect Your Cards
Link securely via Plaid or enter manually. Takes 2 minutes. Ovr never sees or stores your bank login credentials.
Get Your Payment Plan
Our system analyzes your debt and creates your personalized weekly payment schedule. No guesswork required.
Watch Your Debt Disappear
Track your progress week by week. Access the Calming Center whenever financial stress hits.
Bank-level encryption. We never move money without your approval.
See how it works
A simple, four-step process to take control of your debt
Connect your cards
Secured by Plaid
Connect your accounts securely
Link your credit cards through Plaid with bank-level encryption. We never store your login credentials.
Everything you need
Debt payoff tools and mental wellness support, all in one app
Payment Optimizer
Personalized weekly payment strategies based on your debt profile
Calming Center
Guided meditations and breathing exercises for financial stress
Free on all plansProgress Tracking
Visual charts showing your debt reduction week by week
Secure Integration
Bank-level encryption. We never store your credentials.
Multi-Card Support
Track unlimited credit cards with individual progress
Weekly Plans
Clear payment schedules with projected payoff dates
Smart Strategies
Avalanche, Snowball, or AI-recommended approach
Budget Tracking
Set weekly budgets and track spending to stay on plan
Payment Reminders
Never miss a due date with smart notifications
Simple, transparent pricing
Start free, upgrade when you need more features
Basic
Get started free
- Track 1 credit card
- Weekly payment recommendations
- Progress tracking
- Calming Center access
Starter
Track multiple cards
- Everything in Basic
- Track up to 3 cards
- Smart payoff calculations
- Email support
Premium
AI-powered optimization
- 7-day free trial
- Everything in Starter
- Unlimited cards
- 3 AI optimizations/week
- Advanced forecasting
Elite
Full automation
- 7-day free trial
- Everything in Premium
- Unlimited AI recalculations
- Unlimited autopay (Coming Soon)
- Priority support
Get early access
Join the waitlist to be notified when Ovr launches. Early members get exclusive benefits.
Feature Comparison
| Feature | Basic | Starter | Premium | Elite |
|---|---|---|---|---|
| Cards Tracked | 1 | Up to 3 | Unlimited | Unlimited |
| Smart Calculations | ||||
| Payment Plans | ||||
| Calming Center | ||||
| AI Optimizations | $1.99/run | $1.99/run | 3/week | Unlimited |
| Autopay (Coming Soon) | $5.99/tx | $5.99/tx | 4/month | Unlimited |
| Forecasting | Basic | Basic | Advanced | Advanced |
| Multi-Profile |
All plans include full Calming Center access and customer support.
Ready to take control of your debt?
Join the waitlist for early access. Use the calculator above to see your projected savings based on your actual numbers.