Product
Toya AI vs Monarch Money: best for paying off debt?
Monarch Money is a top budgeting app, but how does it compare to Toya AI for actually paying off debt? We break down features, pricing, and which is better for becoming debt-free.
Your AI that gets you out of debt.
Toya AI analyzes your credit cards and loans, creates the fastest payoff plan, and automatically schedules payments to help you become debt-free faster and save on interest.
Ask Toya AI
Toya answers using your balances, APRs, and due dates after you connect.
Total Balance
$14,820
-12%
Payoff progress 38%
Your debt freedom plan
Tailored for you — saves $1,200 in interest
Recommended Steps
1
Pay Chase Freedom
Highest APR — saves $86/mo
2
Clear Amex Gold
Free up $120 credit line
3
Extra $50 to Student Loan
Shaves 5 months off timeline
Accounts
VISA
Chase Freedom
$4,280
Due in 5d
AMEX
Amex Gold
$2,640
Paid
SL
Student Loan
$7,900
Due in 18d
Every debt. One place. Total clarity.
Credit cards, student loans, auto loans, and more. See balances, APRs, and due dates in one view.
Credit Card
Chase Sapphire
$4,280
Utilization 32%
APR 21.49%
Personal Loan
Citi Personal
$8,400
Paid 24/48
12.9% APR
Student Loan
Navient
$12,600
APR 4.5%
Est. payoff 2029
Mortgage
Wells Fargo
$186,000
Remaining 28 yrs
3.25% fixed
Car Loan
Toyota Finance
$14,200
Paid 18/60
4.9% APR
Works with
Value preview
See your debt free date in 30 seconds.
Enter three numbers for a quick estimate. Connect your accounts in the app for exact results.
Your numbers
$
24.9%Estimate
Based on 2024 US credit card average. Your rate may differ.
$
Estimated debt free date
Jan 2029
e.g. $25k at 24.9% APR
Estimated interest you will pay
$12,400
With Toya plan (estimate)
Time saved
1 yr 2 mo
Interest avoided
$3,100
Example based on $25k debt. Enter your numbers for a personalized estimate.
Try Toya Free for 7 Days
Payments and rewards are coming soon. Plans and tracking are live today.
How it works
From overwhelmed to on track in 2 minutes.
01
Chase
•••• 4821 Amex
•••• 7034 Citi
•••• 9156 Connect accounts
Add your credit cards and loans securely.
02
2028
Debt free date
See your debt free date
Understand where you are headed with your current payments.
03
Toya
Pay Chase next, save $340
Get your next best payment
Toya recommends what to pay next and shows the impact on time and interest.
04
Plan updated
Adapts in real time
Stay adaptive
When balances or life changes, your plan adjusts automatically.
The tools that actually move you forward.
Clear next steps, real impact.
24%
19%
14%
9%
5%
Debt free date
See your timeline with your current payments and with the Toya plan.
+12 pts
Today New card
3d ago −3 pts
1w ago Interest impact
Understand what each payment saves you over time.
Pay Chase Freedom next
Saves $86 in interest vs. minimum
Minimum 48 mo
→
Toya plan 31 mo
Next best payment
Know what to pay next and what changes if you do.
Visa 75%
Amex 45%
Chase 22%
Under 30% = green zone
Utilization and credit
Track utilization trends and credit progress over time.
VISA
Chase Freedom 24.99%
$4,280 AMEX
Amex Gold 21.24%
$2,640 SL
Student Loan 5.50%
$7,900 One dashboard
All your debts in one place, without switching apps.
Pay from Toya
Chase Freedom · $142
Earn +50 pts for this payment
2,480 points earned
Payments and rewards
Coming SoonComing soon. Pay from Toya and earn points for staying consistent.
Total Balance
$14,820
-12%
Payoff progress 38%
Pay Chase next
Saves $86 in interest vs. minimum
Accounts
VISA
Chase Freedom
24.99% APR
$4,280
Due in 5d
AMEX
Amex Gold
21.24% APR
$2,640
Paid
SL
Student Loan
5.50% APR
$7,900
Due in 18d
Your debt payoff command center
A plan you can stick to.
Knows your due dates and cash flow
Optimizes for interest saved and timeline reduced
Shows the impact before you pay
Updates when life changes so you do not restart
Ask Toya AI.
Toya turns your debt questions into personalized, actionable answers, grounded in your data, delivered instantly.
Built by someone who lived it.
What early users say
"I used to hide credit card statements from myself. Now I actually look forward to checking Toya. Seeing my debt free date gave me clarity I never had."
Sarah M.
Freelance Designer
"I was paying minimums on everything and getting nowhere. Toya showed me one change that saved me $1,200. One."
James K.
Software Engineer
"Checking my balances used to ruin my morning. Now I open Toya with my coffee. Knowing my next step makes all the difference."
Priya R.
Marketing Manager
"I had no idea how much interest I was losing each month. Toya laid it out clearly and I started saving from day one."
Alex W.
Teacher
"I tried spreadsheets, apps, even a financial advisor. Nothing stuck until Toya gave me a plan that actually updated itself."
Nina P.
Product Manager
"I used to hide credit card statements from myself. Now I actually look forward to checking Toya. Seeing my debt free date gave me clarity I never had."
Sarah M.
Freelance Designer
"I was paying minimums on everything and getting nowhere. Toya showed me one change that saved me $1,200. One."
James K.
Software Engineer
"Checking my balances used to ruin my morning. Now I open Toya with my coffee. Knowing my next step makes all the difference."
Priya R.
Marketing Manager
"I had no idea how much interest I was losing each month. Toya laid it out clearly and I started saving from day one."
Alex W.
Teacher
"I tried spreadsheets, apps, even a financial advisor. Nothing stuck until Toya gave me a plan that actually updated itself."
Nina P.
Product Manager
"I used to hide credit card statements from myself. Now I actually look forward to checking Toya. Seeing my debt free date gave me clarity I never had."
Sarah M.
Freelance Designer
"I was paying minimums on everything and getting nowhere. Toya showed me one change that saved me $1,200. One."
James K.
Software Engineer
"Checking my balances used to ruin my morning. Now I open Toya with my coffee. Knowing my next step makes all the difference."
Priya R.
Marketing Manager
"I had no idea how much interest I was losing each month. Toya laid it out clearly and I started saving from day one."
Alex W.
Teacher
"I tried spreadsheets, apps, even a financial advisor. Nothing stuck until Toya gave me a plan that actually updated itself."
Nina P.
Product Manager
"I used to hide credit card statements from myself. Now I actually look forward to checking Toya. Seeing my debt free date gave me clarity I never had."
Sarah M.
Freelance Designer
"I was paying minimums on everything and getting nowhere. Toya showed me one change that saved me $1,200. One."
James K.
Software Engineer
"Checking my balances used to ruin my morning. Now I open Toya with my coffee. Knowing my next step makes all the difference."
Priya R.
Marketing Manager
"I had no idea how much interest I was losing each month. Toya laid it out clearly and I started saving from day one."
Alex W.
Teacher
"I tried spreadsheets, apps, even a financial advisor. Nothing stuck until Toya gave me a plan that actually updated itself."
Nina P.
Product Manager
"Student loans felt impossible to manage. Toya broke it down into clear next steps I could actually handle."
Marcus T.
College Student
"68% utilization to 22% in 4 months. I did not even know what utilization was before Toya explained it."
Emily C.
Nurse
"Running a business means balances everywhere. Toya finally put it all in one place. The clarity alone was worth it."
David L.
Small Business Owner
"Toya told me exactly which card to pay first and why. I stopped wasting money on interest I did not need to pay."
Rachel H.
Graphic Designer
"I was embarrassed about my debt. Toya never judged me. It just showed me a path forward and I took it."
Kevin D.
Sales Manager
"Student loans felt impossible to manage. Toya broke it down into clear next steps I could actually handle."
Marcus T.
College Student
"68% utilization to 22% in 4 months. I did not even know what utilization was before Toya explained it."
Emily C.
Nurse
"Running a business means balances everywhere. Toya finally put it all in one place. The clarity alone was worth it."
David L.
Small Business Owner
"Toya told me exactly which card to pay first and why. I stopped wasting money on interest I did not need to pay."
Rachel H.
Graphic Designer
"I was embarrassed about my debt. Toya never judged me. It just showed me a path forward and I took it."
Kevin D.
Sales Manager
"Student loans felt impossible to manage. Toya broke it down into clear next steps I could actually handle."
Marcus T.
College Student
"68% utilization to 22% in 4 months. I did not even know what utilization was before Toya explained it."
Emily C.
Nurse
"Running a business means balances everywhere. Toya finally put it all in one place. The clarity alone was worth it."
David L.
Small Business Owner
"Toya told me exactly which card to pay first and why. I stopped wasting money on interest I did not need to pay."
Rachel H.
Graphic Designer
"I was embarrassed about my debt. Toya never judged me. It just showed me a path forward and I took it."
Kevin D.
Sales Manager
"Student loans felt impossible to manage. Toya broke it down into clear next steps I could actually handle."
Marcus T.
College Student
"68% utilization to 22% in 4 months. I did not even know what utilization was before Toya explained it."
Emily C.
Nurse
"Running a business means balances everywhere. Toya finally put it all in one place. The clarity alone was worth it."
David L.
Small Business Owner
"Toya told me exactly which card to pay first and why. I stopped wasting money on interest I did not need to pay."
Rachel H.
Graphic Designer
"I was embarrassed about my debt. Toya never judged me. It just showed me a path forward and I took it."
Kevin D.
Sales Manager
Simple pricing. Real progress.
Start free for 7 days — no card required. Upgrade when you want ongoing plan updates and tracking.
Popular
Standard
$13 $16 /mo
19% OFF
Monthly Yearly
- 7-day free trial included
- Personalized payoff plan
- Unlimited plan updates
- Interest impact tracking
- Credit utilization insights
No card required for 7-day trial
Limited time Best Value
Lifetime
$279 $499 one-time
44% OFF One payment. Full access forever.
- Everything in Standard, forever
- Unlimited plan updates
- Priority support
- Early access to payments and rewards
- Founder updates and roadmap access
30-day money-back guarantee
Your data stays protected.
We use trusted partners to connect your accounts safely.
Secure connections
Bank-grade encryption through Plaid and Fincity to keep your data safe
No credit impact
Spinwheel runs a soft pull with no impact on your score
Multi-provider support
Quiltt powers secure account connections across providers
Your data, your rules
We never sell or share your personal data with third parties
You control what you connect and what you delete.
Trusted data partners
Frequently asked questions
Is Toya AI debt consolidation?
No. Toya AI does not consolidate or move your debt. It connects to your existing accounts and builds a personalized payoff plan based on your balances, APRs, and due dates. You stay in control of your money.
What can I connect in Toya AI?
Credit cards, student loans, auto loans, personal loans, and more. We use trusted partners like Plaid, Fincity, Spinwheel, and Quiltt to connect your accounts securely.
How does Toya AI decide what to pay first?
Toya AI analyzes your balances, interest rates, and due dates to recommend the payment that saves you the most interest and reduces your timeline the fastest. You always see the impact before you act.
Does this affect my credit score?
No. Toya AI uses soft pulls only, which have zero impact on your credit score. You can check as often as you want.
How secure is my data?
We use 256-bit encryption and trusted data partners including Plaid, Fincity, Spinwheel, and Quiltt. Your access is read-only. Toya AI can see your balances but can never move your money. We never sell your data.
Can I pay through Toya AI?
Payments are coming soon. Today, Toya AI helps you build and follow a payoff plan. When payments launch, you will be able to pay directly from Toya AI and earn rewards for staying consistent.
From the blog
Latest articles
Become debt-free faster.
Personalised. Automated. Stress-free.
Try Toya Free for 7 DaysNo card required for 7-day trial.