The Credit Card
Goal Pay down a $3,200 balance.
Plan Preview an $8/day target.
Why it helps A daily target above your required pace may shorten payoff where your creditor applies extra payments to the balance.
Start with the payment you're required to make each month. DebtVault shows it as a daily pace you can track, and what a higher daily target could mean for your payoff plan.
Planning tools are available today. Automatic creditor payments are in development and not yet available.
DebtVault is testing and evaluating third-party providers for liability data and direct creditor payments. A sandbox or development integration does not mean live customer money movement is available. Production providers will be identified when approved and launched.
Read the details on our Security page.
Start from the payment you already owe. You stay in control of amounts and timing the entire way.
Enter your balance, APR and required monthly payment to see your daily pace.
Your required pace is the baseline: $200 over 30 days is about $6.67 a day. A higher daily target, such as $10 a day (about $300 over 30 days), is optional.
Daily progress is a plan, not a payment. You keep paying your creditor through your creditor or bank.
Where a creditor supports frequent payments, verified and economical, payments could go daily; otherwise on another schedule shown before you authorize it. Requires an approved provider and a supported creditor.
Simple facts about how DebtVault treats your money and choices.
A daily number can make a large monthly obligation easier to see and plan for.
For more on daily habits and debt, visit Learn.
A daily number can feel more manageable than one large monthly bill.
Looking at one daily number each day can help build a steady habit.
Paying extra earlier may reduce interest on accounts that use a daily balance. Actual savings depend on your APR, balance, and creditor posting rules.
Enter an amount and a number of months to see roughly what it works out to per day. Interest is not included; use the payoff calculator for a fuller estimate.
About $25/day covers $3,000 over 4 months
Illustrative examples not customer testimonials.
Goal Pay down a $3,200 balance.
Plan Preview an $8/day target.
Why it helps A daily target above your required pace may shorten payoff where your creditor applies extra payments to the balance.
Goal Pay down a 24% APR personal loan.
Plan Preview $5/day above the required pace.
Why it helps The simulator estimates how extra payments may change interest and payoff time, so an anxious balance becomes a visible plan.
Goal Pay off an auto loan early.
Plan Preview $2/day above the required pace.
Why it helps The monthly bill arrives with an amount above your required payment already planned. How a lender applies extra payments varies.
Planning tools designed to make debt payoff feel achievable, not overwhelming
One plan per debt. Set a daily target and keep your progress in view. Plans are for planning; DebtVault does not hold your money.
Streaks and milestones help make consistency visible. Missing a day doesn't erase your progress.
The Strategist is an AI planning assistant DebtVault is developing. It is not included in Founding Access.
Its answers are intended as general information and estimates, not financial advice.
Quick answers before you join founding access.
DebtVault is a daily debt-paydown planning tool currently in founding access. Today it offers a payoff calculator, a payoff simulator, and daily payoff-plan previews. Automatic bank funding and direct-to-creditor payments are in development and are not yet available.
Not during founding access. Current tools help you preview and organize a payoff plan. Automatic bank funding and direct-to-creditor payments are in development and will be available only after production approval.
Your required pace is your required monthly payment spread across the days until it is due. For example, a $200 required payment over 30 days is about $6.67 a day. You can choose a higher daily target; $10 a day over the same 30 days is about $300, roughly $100 more than the required $200. Daily progress in DebtVault is a plan, not a payment to your creditor.
No. You can use the calculator and simulator and register for founding access without a credit card.
No. Earlier extra payments may reduce interest, but results vary by APR, balance, creditor posting rules, payment allocation, and timing. DebtVault's daily approach is also designed to improve consistency and make large goals feel manageable.
Yes. Planning tools are flexible, and when automatic payments launch you will see the exact schedule before you authorize anything.
Join founding access. No credit card required.
DebtVault is currently in founding access. Live account connections and automatic creditor payments are not yet available.