For anyone who feels stuck in debt

Pay off your debt faster,
without the guesswork.

Toya's the AI that does your debt math for you — then tells you exactly what to pay, and when. See your debt-free date in minutes.

Show me
Download on the App Store Get it on Google Play
Read-only — we can't move a cent Never sells your data No credit pulls

Today's plan

Hi Jamie — here's the one move

This Friday

Pay $86 to
Chase Freedom

Saves in interest $1,240
Debt-free date Aug 14, 2027

Highest APR (24.99%). Every dollar above the minimum cuts principal — not interest.

Already have an account? Open Toya

14-day Pro trial. No card required. Free forever after.

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

Visa
Mastercard
American Express
Discover

Trusted data partners

Quiltt Spinwheel

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.

See Toya in action.

Real questions. Real answers. Grounded in your balances, APRs, and due dates.

Get Started Free

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.

Get Started Free

Payments and rewards are coming soon. Plans and tracking are live today.
14-day Pro trial on signup

Free to start. Pro when you're ready.

Every account starts with a 14-day Pro trial. Keep it free forever or upgrade anytime.

Free

$0 forever

No credit card required

  • Connect unlimited accounts securely via Quiltt
  • See all debts in one dashboard
  • Track balances, APRs, and due dates
  • Debt utilization insights
Start Free
Most Popular

Pro

$8.99 /month

or $75/year (save ~30%)

  • Everything in Free
  • AI-powered payoff optimization
  • Automated payments (coming soon)
  • Next-best-action recommendations
  • Priority support
Start Free Trial

14 days free, then $8.99/mo. Cancel anytime.

Anishek Kamal, Founder of Toya AI

Built by someone who lived it.

I know what it feels like to have a good salary and still feel stuck because of debt. The hardest part was not budgeting. It was not having a plan I could trust.

Toya is the system I wish I had. Clear next steps, real impact, and a plan that adapts when life changes.

Anishek, Founder

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

Paying Credit Card Early: Does It Really Save Interest?
paying early

Paying Credit Card Early: Does It Really Save Interest?

Paying a credit card early saves interest when a balance is accruing interest, but usually adds no purchase-interest savings when the full statement balance is paid by the due date with a grace period intact. It lowers the balance reported at statement closing only if the payment posts before that cutoff. What good is an early payment if the issuer records it after taking the balance snapshot? Paying credit card early involves more than choosing a date on a calendar: the payment must reach

How Much Extra to Pay on Mortgage: Amounts That Save
extra mortgage payment

How Much Extra to Pay on Mortgage: Amounts That Save

The statement says the same thing every month: one payment, one date, one balance that barely moves. After four years of on-time payments on a $300,000 loan at 6%, a borrower has handed over roughly $86,000 and reduced the balance by only about $16,000, because most of each payment covers interest rather than principal. The instinct to send an extra $100 is right. The amount deserves a real decision rather than a guess. Paid too little, an extra payment barely registers. Paid too much, it

Student Loans and Credit Cards: Which Debt to Pay First
student loans

Student Loans and Credit Cards: Which Debt to Pay First

The credit-card statement arrives just as the student-loan payment comes due. There's enough money to cover the usual bills, but not enough to make meaningful progress on both debts. The card charges more interest, yet the student-loan account may already show a missed payment. Choosing between student loans and credit cards starts with a distinction that simple payoff advice often misses: required payments protect accounts; extra payments reduce borrowing costs. The highest interest rate

View all articles

Become debt-free faster.

Personalised. Automated. Stress-free.

Get Started Free

14-day Pro trial. Free forever after.