Pre-launch · Join the waitlist
Debt is a math problem.
And an anxiety problem.
Ovr will turn your balances, APRs and budget into a weekly payoff plan you can actually follow — and pair it with a Calming Center that stays free on every plan.
- No credit check
- Secure bank connections via Plaid at launch
- Free plan available
This week
Part of your weekly payoff plan
Estimated debt-free
Updates as your plan changes
Income changed? Ovr can rebuild your weekly plan around it.
Illustrative Ovr experience
Debt isn't complicated because people don't care.
It's complicated because life keeps changing.
- Balances change
- Income changes
- Unexpected expenses happen
- Minimum payments move
A plan that made sense six months ago may not make sense today.
That's why Ovr was built to adapt.
How it will work
Connect, optimize, adapt — and stay grounded on the way out.
One sequence, from linking your first card to the week the last balance clears.
- 01
Connect
Add your debt
Link cards through Plaid or enter balances by hand. Ovr never receives your bank login.
- 02
Optimize
Get your weekly plan
Tell Ovr what you can realistically put toward debt, and it covers minimums, then directs the extra where it cuts interest most.
- 03
Adapt
Recalibrate when life changes
When income or expenses shift, the plan is rebuilt around your new numbers instead of leaving you on a stale one.
- 04
Stay grounded
Use the Calming Center
Free on every plan
Debt is stressful enough to make people stop opening the app. The Calming Center is there for those moments, so the plan survives the hard weeks.
- 05
Get out of debt
Watch the balance fall
Every week compounds into a payoff date you can see moving — the point of the whole sequence.
The weekly plan
Know exactly what to do this week.
No spreadsheets, no guessing which card to hit next. Ovr will turn your balances, APRs and budget into one short list — what's due, where the extra goes, and what's left over.
- One number to act on, not twelve to interpret
- Minimums covered first, so nothing slips
- The reasoning shown, so you can disagree with it
This week
Weekly budget
$160
Minimum payment
Card ending 4021
$35Priority payment
Card ending 8867 · 24.99% APR
$95Remaining this week
Yours to keep
$30
Why card 8867 first: it carries the highest APR, so each extra dollar there reduces the interest you pay overall.
Illustrative example. Not actual app data.
AI Recalibration
Your plan shouldn't become outdated.
Your balances, available budget and circumstances can change. AI Recalibration helps update the payoff strategy using your latest information — so the plan reflects the month you're actually in.
Recalibration doesn't recover money you don't have. It keeps the plan honest when the numbers move — covering minimums first, then redirecting whatever is left where it does the most good.
Monthly budget
Unexpected car repair
$175 less available this month
Recalibrating your plan…
Weekly plan
Minimums still covered
Est. debt-free
Mar 2027
A tighter month pushes the finish line out — but the plan is still accurate, and nothing goes unpaid.
Illustrative example. Not actual app data.
Progress
See the finish line.
Minimum payments make debt feel permanent. Seeing a projected end date — and the milestones on the way to it — turns an open-ended weight into something with a shape.
Today
$8,240 remaining
First card paid off
Est. Aug 2026
Halfway there
Est. Dec 2026 · 50% paid
Debt-free
Projected Jul 2027
Projected dates are estimates based on the information you enter, and they move as your balances and payments change.
Illustrative example. Not actual app data.
Calming Center
Money stress is still stress.
Ovr doesn't pretend debt is only numbers. Alongside the plan, there's a quieter space for the moments when the numbers get heavy — short breathing exercises and grounding prompts you can use in a couple of minutes.
- Box breathingFour counts in, hold, out, hold
- 4-7-8 breathingA longer exhale to settle
- Grounding notesGratitude and journaling prompts
Guided meditations are planned for 2026. The Calming Center is a self-help tool and is not therapy or medical care.
Breathe
Four counts in
Trust
You stay in control.
Connecting a financial account is a real decision. Here is exactly what Ovr can and cannot do with it.
Read about securityOvr never sees your bank login
You enter credentials into Plaid's secure window, not into Ovr. Plaid returns a token — we never receive your username or password.
Read-only by design
The connection can read balances and transactions. It cannot move money, and Ovr does not make payments on your behalf.
No credit check
Connecting your accounts involves no hard inquiry and no credit application. Ovr does not report to credit bureaus.
Plain pricing, no data selling
Four tiers, listed above, with no hidden fees. Ovr does not sell your personal information.
More detail in our Privacy Policy and Data Retention pages.
Pricing
Four plans. None of them expensive.
Start free and stay free if that is all you need. The paid tiers exist for people juggling more cards, or whose circumstances move often enough that recalibration earns its keep.
Plans and features shown below will be available in the OVR app at launch.
Basic
Start your payoff journey.
Freeforever
Track 1 credit card
- Weekly payment recommendations
- Progress tracking
- Calming Center preview
- AI Recalibration — $1.99 each
Available at launch
Starter
More flexibility.
$0.99/month
Track up to 3 cards
- Everything in Basic
- Smart payoff calculations
- AI Recalibration — $1.99 each
- Email support
Available at launch
- Most popular
Premium
A smarter adaptive payoff plan.
$5.99/month
3 AI recalibrations each month
- Everything in Starter
- Unlimited cards
- Advanced forecasting
Available at launch
Elite
Maximum flexibility.
$9.99/month
Unlimited AI recalibration
- Everything in Premium
- Priority support
Available at launch
Plans go live when Ovr launches. Join the waitlist and we'll let you know.
Join the WaitlistFeature Comparison
| Feature | Basic | Starter | Premium | Elite |
|---|---|---|---|---|
| Cards Tracked | 1 | Up to 3 | Unlimited | Unlimited |
| Smart Calculations | Included in Basic | Included in Starter | Included in Premium | Included in Elite |
| Payment Plans | Included in Basic | Included in Starter | Included in Premium | Included in Elite |
| Calming Center | Included in Basic | Included in Starter | Included in Premium | Included in Elite |
| AI Recalibration | $1.99 each | $1.99 each | 3 included/month | Unlimited |
| Forecasting | Basic | Basic | Advanced | Advanced |
| Multi-Profile | Not included in Basic | Not included in Starter | Not included in Premium | Included in Elite |
All plans include full Calming Center access and customer support.
Why Ovr exists
Built from a problem that felt personal.
Ovr was started by Justin Mazur, who spent years in hospitality — income that swung with the season, and a minimum payment that felt like throwing pennies at a mountain.
Traditional debt tools are built around the arithmetic. They are not built around what it feels like to avoid opening your banking app. Ovr is an attempt at both.
Read the full story“Ovr came from that moment when you finally get over the hump — not just financially, but emotionally.”
Questions
Straight answers.
Your debt has a finish line.
Let's find it.
Free to join. We'll email you when Ovr is ready.