Enter your debts once. Owvio calculates your freedom date, shows what debt is costing you today, and gives you a plan that actually motivates you to follow through.
$1.277 trillion in credit card debt. At 24% average APR, Americans collectively lose $839 million in interest every single day. Owvio shows you exactly what your share costs — and how to stop it.
Based on Federal Reserve Q4 2025 data. Your personal counter is calculated from your actual balances.
No spreadsheets. No bank accounts. No complexity. Just the information that actually matters.
Add your balances, interest rates, and minimum payments. Takes 2 minutes. Nothing is synced to your bank — your data stays yours.
Avalanche (highest interest first — saves most money) or Snowball (smallest balance first — builds momentum). Toggle between them instantly.
Your exact debt-free date. Daily interest cost. Month-by-month payoff timeline. The numbers that make you act — not just track.
The exact month and year you'll make your last payment. Updates live as you adjust your monthly budget. The number that makes this real.
Watches your interest accrue in real time. Not a scare tactic — a motivation engine. Seeing $4.23 vanish today makes you act differently.
Toggle between strategies instantly. See exactly how many months and dollars each approach saves. Make an informed decision, not a guess.
When a debt hits zero — confetti, a shareable moment, and the cascade effect of watching your next payment power go up. The dopamine hit you've earned.
Ask anything about your plan. "What if I put my tax refund toward this?" "Which debt should I hit first?" Owvio's AI reads your actual numbers and responds in plain English — not generic tips, but advice built specifically around your balances and rates. Feels like a financial advisor. Costs $7.99/month.
"I knew I was paying interest. I didn't know I was paying $19 a day. Seeing that number in real time changed everything. I moved my payment up the next morning."
"Finally something that doesn't look like a government tax form. The freedom date is the first time I've felt hopeful about my debt instead of just ashamed."
"The AI coach is wild. I typed 'what if I throw $500 at this next month' and it told me I'd save 4 months and $800. I threw the $500 at it immediately."
The average person pays $4,218 in interest getting out of debt. Owvio costs less than a coffee per week and gives you a real plan to pay less of that.
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You already know what you owe. In 2 minutes, you'll know exactly when it ends — and what it's costing you today.
No credit card. No bank linking. No stress.