PayWise AI

PayWise AI helps you organize debts, track payment progress, and compare repayment strategies without sending your debt data to an external AI service.

Add credit cards, loans, installment plans, or custom debt categories. Track balances, due dates, reminders, payments, and repayment progress from one simple dashboard. The AI Advisor uses local Avalanche and Snowball calculations to help you compare payoff approaches based on your budget.

PayWise AI is designed for privacy-friendly, local-first debt planning. Your debt records and payment history stay on your device. There is no account system, no server sync, no ads, and no external AI API in this Android build.

Premium unlocks unlimited debt tracking and advanced repayment insights through Google Play Billing. Free users can track up to 5 debts.

PayWise AI is an organization and planning tool. It does not provide financial, legal, tax, credit, loan, investment, or credit repair advice and does not guarantee debt reduction outcomes.