🚀 Now with AI Vault Coach

Pay Off Debt Faster.
One Day at a Time.

Debt grows daily. Most payments don't. DebtVault turns overwhelming monthly bills into small daily progress that actually sticks.

DebtVault is an app that helps you pay off debt using small, automated daily payments.

Bank-level security
No credit card required
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DebtVault Dashboard
Credit Card Payoff Active
$1,240.00
$5/day 65% paid
Emergency Fund Growing
$3,850.00
$10/day 38% to goal
🔥 23 day streak!

Powered by secure financial partners

Stripe
Plaid
Spinwheel
Supabase

You stay in control

Simple facts about how DebtVault treats your money and choices.

  • You choose amounts, vaults, and schedules and can change them anytime.
  • Pause automation or a single vault whenever your budget needs a break.
  • Industry-standard partners and encryption help protect connections and data.
  • Nothing moves outside the rules you set; you can review activity in the app.

Dig deeper on security or browse guides on the Learn hub.

Why Daily Micro-Deposits Work

Small consistent actions beat sporadic large ones. It's psychology backed by math. For more on daily habits and debt, visit Learn.

Smaller & Easier

$5-$10 per day feels painless compared to large monthly bills. No more payment anxiety.

Daily Momentum

Progress every day builds habits that last. Visual streaks keep you motivated.

Interest Savings

Reducing balances more often means less interest accrues. Save hundreds in APR.

See Your Daily Plan

Enter your debt amount and target date. We'll calculate exactly how much to save daily.

$ 25 /day

Save daily to reach your $3,000 goal in 4 months

Total: $3,000 Interest saved: ~$180
Start this plan in DebtVault
💰
$5.00 deposited Credit Card Vault
Just now
🔥
7 day streak! You're on fire
2m ago
📊
Weekly report You saved $35 this week
1h ago

Real People, Real Results

Join thousands who've paid off debt faster with daily deposits

★★★★★

"I paid off $3,200 in credit card debt 4 months faster. The daily $8 deposits felt effortless compared to stressing over $240 monthly payments."

S
Sarah M. Credit Card Debt
★★★★★

"The streak feature gamified my debt payoff. I'm at 147 days and I've never been more consistent with money in my life."

M
Marcus T. Student Loans
★★★★★

"I used to dread rent week. Now I have $50/day going to my rent vault. When the 1st comes, I'm already prepared. Zero stress."

E
Elena R. Rent & Bills
$12M+ Debt paid off
50K+ Active users
4.9 App Store rating

Everything You Need to Stay Consistent

Tools designed to make debt payoff feel achievable, not overwhelming

🏦 Smart Vaults
Credit Cards
Student Loans
Rent

Smart Vaults

Create dedicated vaults for each debt or bill. Set targets, track progress, and watch your balances shrink daily.

  • Unlimited vaults (Pro)
  • Custom targets & daily amounts
  • Visual progress tracking
🔥 23
Day streak!

Streaks & Gamification

Build momentum with daily streaks. Missing a day breaks the chain - psychological motivation to stay consistent.

  • Daily check-in rewards
  • Milestone celebrations
  • Social accountability
🧠
"You're saving 20% more than last month!"

AI Vault Coach

Get personalized guidance and nudges based on your habits. Ask questions, get advice, stay on track.

  • Personalized insights
  • 24/7 financial guidance
  • Mood-based coaching tones

Common questions

Quick answers before you start your first vault.

What is DebtVault?

DebtVault is an app that helps you pay off debt and fund goals using small, automated daily payments into dedicated vaults. You set targets and amounts; the app helps you stay consistent.

Do I need a credit card to get started?

You can explore DebtVault and create an account without a credit card. If you add paid features or connect funding sources, we clearly show what is required at each step.

Is my money safe?

We use established financial infrastructure partners and security practices. Read the details on our Security page. You remain in control of schedules and amounts.

How does daily automation work?

You choose a daily amount or schedule for each vault. DebtVault helps move funds on that rhythm toward your payoff or savings goal, so progress happens automatically instead of only when you remember.

Can I pause or change my plan?

Yes. You can adjust amounts, pause automation, or stop using a vault when your situation changes.

Ready to escape the debt cycle?

Start free. No credit card required. Cancel anytime.

30-day money-back guarantee on all premium plans