The Credit Card Trap
Goal Pay down a $3,200 balance.
Plan Preview an $8/day target.
Why it helps A clear daily target is designed to avoid the minimum-payment trap without stressing the monthly budget.
DebtVault is building an easier way to turn overwhelming balances into small, consistent actions. See what to pay next, track progress every day, and join the founding group helping shape automatic direct-to-creditor payments.
DebtVault is currently in founding access. Live account connections and automatic creditor payments are 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.
Four simple steps. You stay in control of amounts and timing the entire way.
Enter a balance, APR, and payment goal to preview a manageable daily target.
Decide what fits your budget; daily progress may be executed daily, weekly, on payday, or through another clearly disclosed schedule.
Use reminders, streaks, milestones, and payoff projections to maintain momentum.
The planned production experience will send authorized payments directly to supported creditors through approved infrastructure providers.
Simple facts about how DebtVault treats your money and choices.
Small, consistent actions are easier to sustain than sporadic large ones. It is psychology backed by math.
For more on daily habits and debt, visit Learn.
$5-$10 per day feels painless compared to large monthly bills. No more payment anxiety.
Progress every day builds habits that last. Visual streaks keep you motivated.
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 your debt amount and target date. We'll calculate the daily contribution needed to reach it.
Save daily to reach your $3,000 goal in 4 months
Illustrative examples not customer testimonials.
Goal Pay down a $3,200 balance.
Plan Preview an $8/day target.
Why it helps A clear daily target is designed to avoid the minimum-payment trap without stressing the monthly budget.
Goal Pay down a 24% APR personal loan.
Plan Preview a $5/day addition.
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 a $2/day addition.
Why it helps Small planned amounts build momentum, so the monthly bill arrives with extra principal already planned for.
Planning tools designed to make debt payoff feel achievable, not overwhelming
Plan dedicated vaults for each debt or bill. Set targets, preview daily amounts, and track your progress.
Build momentum with daily streaks. Missing a day breaks the chain - psychological motivation to stay consistent.
The Strategist is the AI coaching experience DebtVault is building.
It is designed to estimate how extra payments may change interest and payoff time while you plan.
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.
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.