Toya AI - AI Debt Payoff App
Smart AI Payoff Plans
Free · In‑App Purchases · Designed for iPad. Not verified for macOS.
Toya AI is the AI-powered debt payoff app that analyzes your credit cards and loans, builds the fastest payoff plan, and shows your debt-free date — so you can stop guessing and start saving on interest.
Stop paying minimums and hoping for the best. Toya connects to your accounts securely, reads your balances, APRs, and due dates, and uses AI to create a personalized debt payoff plan that actually works. No spreadsheets. No manual entry. Just connect and go.
HOW TOYA AI WORKS
1. Connect your accounts — Link credit cards, student loans, auto loans, and more through Plaid, Spinwheel, and Quiltt. Bank-grade encryption keeps your data safe.
2. See your debt-free date — Toya calculates exactly when you will be debt-free with your current payments, and shows how much faster you can get there.
3. Follow your AI payoff plan — Toya recommends which debt to pay first and how much to pay, optimizing for the most interest saved and the shortest timeline.
4. Stay on track automatically — When balances change, or life happens, your plan adapts in real time. No restarting, no guessing.
WHY TOYA AI — NOT ANOTHER DEBT CALCULATOR
Most debt payoff apps are glorified calculators. You enter numbers manually, pick snowball or avalanche, and get a static spreadsheet. When anything changes, you start over.
Toya is different. It connects to your real accounts, reads your real balances and APRs, and uses AI to continuously optimize your payoff plan — not just once, but every time something changes. That means smarter payment order, more interest saved, and a shorter path to debt freedom.
WHAT YOU GET WITH TOYA
• AI-Powered Payoff Optimization — Not just snowball or avalanche. Toya uses AI to find the smartest payoff order based on your real data, saving you more in interest than any static calculator.
• One Dashboard for All Debts — Credit cards, student loans, auto loans, personal loans, and mortgages in one place. See balances, APRs, due dates, and utilization at a glance.
• Adaptive Plans — Your debt payoff plan updates automatically when balances change, new payments post, or your cash flow shifts. Other apps make you start over.
• Interest Impact Tracking — See exactly how much each payment saves you in interest over time. Know the real cost of paying minimums vs. following your Toya plan.
• Credit Utilization Insights — Track utilization trends across all your credit cards. Understand how payoff progress improves your credit score over time.
• Smart Alerts & Nudges — Get reminders before due dates, notifications when a smarter payment move is available, and milestone celebrations as you pay down debt.
• Next Best Payment — Toya tells you exactly what to pay next, how much, and why. One clear action, every time.
SUPPORTED DEBT TYPES
• Credit cards (Visa, Mastercard, Amex, Discover)
• Student loans (federal and private)
• Auto and car loans
• Personal loans
• Mortgages
• Medical debt
• And more
YOUR DATA STAYS PROTECTED
Toya connects through trusted partners including Plaid, Spinwheel, Quiltt, and Fincity. All connections use bank-grade encryption. Toya never sells or shares your personal data. You control what you connect and what you delete. Connecting does not impact your credit score.
PRICING
• Free: Connect accounts, see all debts in one place, view balances and due dates.
• Pro ($6.33/mo billed yearly): AI payoff optimization, adaptive plans, smart nudges, interest-saving insights, credit utilization tracking, progress milestones, and priority support. 14-day free trial, no card required.
Download Toya AI and see your debt free date in under two minutes.
Terms of Service: https://usetoya.com/terms
Privacy Policy: https://usetoya.com/privacy
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
• Redesigned subscription experience with easier management
• Improved onboarding flow — faster account setup
• Bug fixes for smoother login and account switching
• UI improvements throughout the app
The developer, Kebros, Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
- Financial Info
- Contact Info
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Contact Info
- Identifiers
- Usage Data
- Diagnostics
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Keberos, Inc.
- Size
- 26.4 MB
- Category
- Finance
- Compatibility
Requires iOS 15.0 or later.
- iPhone
Requires iOS 15.0 or later. - iPad
Requires iPadOS 15.0 or later. - iPod touch
Requires iOS 15.0 or later. - Mac
Requires macOS 12.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Toya AI Pro Monthly $8.99
- Toya AI Pro Yearly $75.99
- Copyright
- © 2026 Kebros, Inc.