Recommended Payment
No more payment guessing
“I finally know what to pay instead of choosing a random amount above the minimum.”
Best debt payoff planning
Become Debt Free Faster
Stop guessing. Know what to pay, where to focus, and what you can spend.
What to pay
Card priority
Safe spending
Available on iPhone and Android.
Cost and feature comparison
Financial Professional vs.Xsolvere
Side-by-side comparison
Feature
Financial professional
Xsolvere
Typical cost
Average monthly fee $65*
Free to start, Premium $6.99/mo
Availability
By appointment
Anytime
Recommended payment
During your consultation
Calculated in the app
Card payoff priority
Reviewed during your consultation
Built into your plan
Safe spending guidance
Depends on the professional
Included
Payment simulations
May require a follow-up
Available anytime
Plan updates
Another session may be needed
Updates as your cards change
Human professional judgment
Included
Not included
Your payoff plan can start today.
No bank connection needed. Add your credit card details to see what to pay, which card to prioritize, and how much you can safely spend.
Build my payoff plan*Professional fees vary by provider and service. The displayed range is a general benchmark for advice-only financial advisors. View pricing source
Xsolvere is an educational planning tool and does not provide financial, credit-repair, legal, or investment advice. It is not a replacement for a qualified professional in complex situations.
Testimonials
From Debt Confusionto a Clear Plan.
Discover how Xsolvere can replace payment uncertainty with a personalized path forward.
Card Priority
A clear card priority
“Xsolvere made it clear which card needed my extra payment first and why.”
Safe Spending
More confidence before spending
“The Safe Spending limit helps me check whether I have room before using a card.”
Debt Dashboard
Everything in one place
“Seeing my balances, utilization, and payoff direction together makes the plan feel manageable.”
Payment Simulator
The numbers finally feel useful
“The simulator shows how an extra payment could change my timeline before I commit.”
Payoff Plan
A plan I can keep following
“Instead of checking another spreadsheet, I can open Xsolvere and see my next step.”
Built for real debt payoff decisions
A smarter way. to payoff debt.
Organize every card, understand your utilization, and create a personalized plan to become debt free faster.
Credit utilization insights
Know exactly which card is hurting your progress.
Xsolvere shows your balances, limits, APRs, minimum payments, and utilization in one clean dashboard so you can understand where to focus first.
Utilization
68% → 42%
Cards tracked
4
Smart recommendation
Focus extra payments where they make the biggest impact.
Personalized payoff strategy
Turn your credit cards into a clear payoff plan.
Get smart payment recommendations, track your debt-free forecast, and stay on top of due dates with reminders that keep your plan moving.
Next payment
$44.18
Debt-free target
Aug 2027
Smart recommendation
Focus extra payments where they make the biggest impact.
Features
Everything you need to take control of debt.
✦
AI-Powered Plans
Smart debt payoff plans based on your balances, utilization, and payment goals.
✦
High-APR Elimination
Prioritize expensive debt and focus on the moves that save more interest.
✦
Credit Utilization Insights
Understand how your card balances affect your credit health.
✦
Debt Free Target
See your estimated payoff date and track your progress over time.
✦
Smart Payments
Get personalized payment suggestions that help your balance move down faster.
✦
Secure & Private
Built with privacy-focused design to help protect your financial data.