The First App for Financial + Emotional Wellbeing
Finally, Peace of Mind Around Your Credit Card Debt
Get Over the Hump of Debt
Pay off debt 40% faster with AI—while finding calm and happiness through the journey. Because your mental health matters as much as your financial health.
Be first to know when we launch - Coming soon to iOS & Android
Ovr
Your debt-free journey
Total Debt
$12,450
35% paid off!
Visa 4242
$4,200 remaining
Mastercard 8821
$8,250 remaining
Need a moment?
Tap for breathing exercises
Calculate How Much You Could Save
See how Ovr's AI can transform your debt payoff journey
$15,000
22.0%
$300
Your Personalized Results
Debt-Free Date
137 months
May 2037
Total Interest Paid
$26,100
❌ No mental health support
Debt-Free Date
83 months
November 2032 - 40% faster!
Total Interest Paid
$10,440
✓ Calming Center included
Save $15,660
in interest charges and get debt-free 54 months sooner
Plus, find peace of mind throughout your journey
How It Works
Your journey to financial freedom in three simple steps
Connect Your Cards
Link securely via Plaid or enter manually. Takes 2 minutes. Bank-level encryption protects your data.
Get Your AI Plan
Our AI analyzes your debt and creates a personalized weekly payment strategy. Most users pay off debt 40% faster.
Stay on Track + Find Calm
Visual progress tracking shows you getting closer to freedom. Access the Calming Center whenever stress hits.
Take a Tour of Ovr
See how the app works, step by step
Chase Sapphire
•••• 4242
Citi Double Cash
•••• 5353
Amex Blue
•••• 6464
Connect Your Cards Securely
Link your credit cards in seconds through Plaid, or enter details manually—whichever you prefer. Ovr gives you a complete view of your debt:
✓ Total balance across all cards
✓ Average interest rate (APR)
✓ Combined minimum payments
✓ Individual card details and progress
✓ Payment due dates at a glance
No more logging into multiple websites or juggling different apps. Everything you need is right here—organized, clear, and stress-free.
🔒 Your data is protected with bank-level AES-256 encryption. We have read-only access and never store your login credentials.
Everything You Need to Get Debt-Free
AI-powered debt payoff + mental wellness support, all in one app
AI Payment Optimizer
Personalized weekly payment strategies that save you thousands in interest
Calming Center
Guided meditations, breathing exercises, and mental wellness support for financial stress
"Because your mental health matters as much as your financial health"
Real-Time Progress Tracking
Watch your debt shrink week by week with visual charts and milestone celebrations
Secure Plaid Integration
Connect 11,000+ banks with bank-level AES-256 encryption and read-only access
Multi-Card Management
Track unlimited credit cards in one place with individual progress for each
Weekly Action Plans
Get personalized recommendations every week—never wonder what to pay next
Debt Snowball & Avalanche
Choose between proven strategies or let AI pick the best method for you
Budget Tracking
Set weekly budgets and track spending to stay on plan
Smart Payment Reminders
Never miss a due date with intelligent notifications and payment tracking
The Calming Center is FREE on every plan—because mental health shouldn't cost extra
Choose Your Plan
Calming Center included FREE on all plans
Basic
- Track 1 credit card
- Full Calming Center access
- Basic progress tracking
- Manual payment tracking
- AI calculations
- Automated plans
Starter
- Track unlimited cards
- Full Calming Center access
- AI recalculations: $0.99 each
- Weekly payment plans
- Email support
Premium
- Track unlimited cards
- Full Calming Center access
- 3 AI recalculations per week
- Additional AI available ($0.99 each)
- Advanced forecasting
- Budget management
- Priority support
Elite
- Track unlimited cards
- Full Calming Center access
- Unlimited AI recalculations
- Multi-profile support
- Priority 24/7 support
- Early access to new features
- First access to automatic payments
All plans include full Calming Center access - Cancel anytime - No contracts
Automatic payment execution coming in future months. Elite members get early access.