Our proprietary Mixed-Integer Linear Programming (MILP) solver analyzes your interest rates, balances, and cash flow to find the mathematically fastest path to zero debt. Most users save an average of $4,200 in interest payments.
Stop guessing what to pay and when. Get a day-by-day instruction set tailored to your pay cycle. We show you exactly when a payment is due and how much will go toward principal vs interest — you pay from your own bank.
A high-definition view of your financial life. Watch your debt shrink in real-time with read-only bank feeds via Plaid. Monitor your net worth, debt-to-income ratio, and estimated freedom date in one stunning glass interface.
Projected Debt-Free Date
Oct 14, 2026
Staying focused for years is hard. Yolbot makes it addictive. Earn badges for milestones, maintain streaks for consecutive on-time payments, and unlock new levels as your credit score improves.
We treat your data with the highest level of respect. Using 256-bit AES encryption and Plaid for read-only account access, we ensure your credentials never touch our servers. Yolbot never moves money on your behalf.
Your data is yours. Encrypted at rest and in transit.
Connect all your liabilities in one place. Credit cards, student loans, mortgages, and auto loans. Automatic balance updates keep your plan accurate without manual data entry — all via Plaid's read-only connection.
Our MILP solver analyzes your rates, balances, and cash flow to find the mathematically fastest path to zero. Most users save an average of $4,200 in interest.
Stop guessing what to pay and when. Get a day-by-day instruction set tailored to your pay cycle — you pay from your own bank, we never move your money.
A high-definition view of your financial life. Watch your debt shrink in real-time with Plaid's read-only bank feeds — net worth, DTI, and freedom date in one glass interface.
Projected Debt-Free Date
Oct 14, 2026
Staying focused for years is hard. Yolbot makes it addictive. Earn badges, keep streaks on-time, and level up as your score climbs.
256-bit AES encryption and Plaid read-only access — credentials never touch our servers. Yolbot never moves money on your behalf.
Connect every credit card, student loan, mortgage, and auto loan in one place. Balances update automatically via Plaid — no manual entry.