A quieter way through credit card debt
The one safe thing to do with your money today.
Advizel looks at your real balances, bills and paydays and tells you the one amount that's actually safe to send toward your debt — then shows you exactly how it got there.
Connecting is free — I'll never charge without asking.
Android today. An iPhone version is in the works.
The proof
It shows the math.
One number, recalculated daily from your real cash — not a static budget. Open Why this is safe any time and every line that built it is there: what's in checking, what's owed before payday, what's due in the next 30 days, and the buffer left on purpose.
It also tells you what could change it — a new pending charge, a paycheck landing late — and when it last looked at your accounts.
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Every number is checked before it ships
Advizel's math doesn't come from a language model guessing at your finances — it comes from a single calculation engine, reviewed line by line against real-world credit-card and IRS mechanics (daily compounding, issuer minimum-payment rules, promotional-rate cliffs) before any of it reaches a screen. That engine was independently re-derived from scratch and checked against thousands of randomized scenarios, to the cent.
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Read-only. Always.
Advizel can't move your money, even if it wanted to. You connect your accounts (or add them by hand), and every payment happens in your own bank app, on your own say-so.
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No ads. No lead-gen. No data for sale.
There's no partner-bank placement anywhere in this app — nothing here is paid to recommend a card, a loan, or a transfer.
How it works
Three steps, then it runs itself.
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Connect your accounts — or add them yourself
Link your bank through Plaid, the same way you would for any finance app, or skip that entirely and add your accounts and debts by hand. Either way works.
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See today's one safe move, and the math behind it
Your Today screen shows a single amount — what's actually safe to send toward debt right now, based on what's in checking, what's due before your next paycheck, and a buffer left on purpose. Tap to see the full derivation.
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Follow the plan, one day at a time
See your full payoff order, what your debt is costing you, and which days in the next 30 are going to be tight — before they happen. Mark a payment sent, and tomorrow's number already accounts for it.
What makes it different
It says what it doesn't know.
A plain list of the actual gaps in Advizel's picture — an assumed card rate, an unclassified deposit — with a one-tap way to close each one. Nothing here is guessed at silently.
The house stays out of it
Debt secured by your home — a mortgage, a HELOC — is deliberately left out of the payoff plan. Advizel says so, by name, on the Plan screen, whether or not you've picked a payment amount yet. Moving spare cash into home equity is close to irreversible, and that's not a call an app should make for you.
What's in it
The rest of what it does.
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30 days ahead, not 30 days behind
See your projected daily balance for the next 30 days and which days are tight, before they happen.
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A real attack order
See which debt to pay down first for the least total interest (avalanche), or the smallest balance first if momentum matters more to you (snowball) — with the real cost of each shown, not a guess.
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Word-for-word, for the phone call
Get an exact script for asking your issuer to lower your APR, waive a fee, or move you onto a hardship plan — and log what happened. Asking your issuer costs nothing, and it doesn't need a credit check.
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Considering a balance transfer? See both halves.
If a transfer offer is on the table, Advizel separates what paying more each month buys you for free from what the transfer's 0% rate buys on top of that — so you know what you're actually paying a fee for.
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Ask it anything about your own numbers
A free-text question box that answers over your real data — not general finance trivia.
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If you freelance or take 1099 income
Advizel sets aside an estimate for quarterly taxes as gig income comes in, so the number isn't a surprise later — a rule of thumb your CPA can tune, not a filing.
Your data
It can't move your money. That's architecture, not a promise.
There is no code path in Advizel that moves funds. You always pay from your own bank's app, on your own say-so. That single fact removes the worst-case risk entirely.
- Bank connection
- Plaid, read-only
- Your bank login
- Never stored by Advizel
- Data in transit and at rest
- Encrypted
- Street address, SSN, government ID
- Not collected
- Sold or rented to anyone
- Never
- Export and delete your data
- Any time, from Profile
Prefer not to connect at all? Add your accounts and debts by hand — the whole app works that way too. The full detail is in the Privacy Policy, which is the same text the app shows you.
What it costs
One price. Paid by you, so it answers to you.
$14.99 a month or save with a yearly plan
No free tier and no trial. Advizel is paid for by you — not by banks, not by advertisers, and not by referral fees for pointing you at a card or a loan. That's the whole reason it can tell you the truth about your own numbers.
- Cancel
- Any time
- After you cancel
- Access runs to the end of the period
- Ads, lead-gen, data sales
- None, ever
You'll see the price and the billing terms before you're asked to pay — never buried in a settings menu.
Questions
The things people actually ask.
Is my bank data safe?
Advizel is read-only — there's no code path in the app that can move your money. You can connect a bank through Plaid or skip that and add accounts by hand. There's no advertising and nothing here sells your data.
Is this just another budgeting app?
No categories to sort, no zero-based budget to maintain. Advizel computes one number for you, every day, from your real accounts.
Will using this hurt my credit?
Advizel never applies for credit or checks your credit on your behalf. The one honest caveat: asking your card issuer for a lower rate doesn't itself trigger a credit check, but if they review your account as part of that call, they can adjust your limit — which can move your utilization.
I already have a spreadsheet — why would I switch?
If you're the kind of person who checks a payoff calculator's arithmetic by hand, this is built to survive that. Every figure comes from one calculation engine, independently re-derived from scratch against thousands of scenarios, to the cent — and it updates itself from your real transactions every day instead of going stale.
I have a mortgage or a HELOC — will this tell me to raid my equity?
No. Home-secured debt is deliberately excluded from the payoff plan, and the app says so on screen.
Does this work with my bank?
Advizel connects through Plaid, which supports most U.S. banks and credit unions. If your institution isn't supported, or you'd rather not connect at all, you can add accounts and debts by hand.
Is Advizel a CPA, a lawyer, or a financial adviser?
No. It gives general information based on your own data, not personalized financial, tax, or legal advice, and it's not a registered investment adviser, CPA, law firm, or credit-counselling agency.
What if I'm behind on payments or a debt is in collections?
Advizel doesn't currently have guidance for a debt that's in collections or past your state's statute of limitations — paying on one, even partially, can restart the clock in some states. If that's your situation, talk to a nonprofit credit counselor (nfcc.org) before making a payment.
Is there an iPhone app?
Advizel runs on Android today. An iPhone version is in the works — this page will say so plainly when it's ready, and not before.
See your one number.
Connect your accounts, or add them yourself — either way takes a few minutes, and nothing moves without you.
Connecting is free — I'll never charge without asking.
Android today. An iPhone version is in the works.