About Toya AI

The AI debt payoff app built by someone who lived it.

Why Toya AI exists

Most people stuck in debt don't need another budgeting app. They need a clear plan they can trust — one that adapts when life changes and shows the impact of every payment.

Toya AI was built to be that plan. It analyzes your credit cards and loans, creates the fastest payoff strategy, and tells you exactly what to pay next to save the most interest and time.

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

Anishek Kamal, Founder

How Toya AI works

Step 1

Connect your accounts

Link credit cards and loans securely via Plaid. Read-only access, 256-bit encryption.

Step 2

See your debt-free date

Toya AI calculates when you'll be debt-free based on your current payments.

Step 3

Get your next best payment

See which debt to pay extra on and how much interest you'll save.

Step 4

Plan adapts with you

Lost a job, got a raise, or added a new card? Toya AI recalculates automatically.

Security you can trust

Your financial data is protected with 256-bit encryption and read-only access. Toya AI can see your balances but can never move your money. We never sell your data.

We partner with trusted data providers including Plaid, Fincity, Spinwheel, and Quiltt to connect your accounts securely.

Ready to start your debt-free journey?

Toya AI builds a personalized payoff plan so you can see your debt-free date and save on interest.

Try Toya AI Free for 7 Days