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BON Credit
✓ verifiedFree
Free iPhone app acting as an AI debt coach that links credit cards via Plaid and builds a payoff plan with reminders.
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clerkie.io
✓ verifiedPaid
AI-driven debt repayment and loan-management platform helping lenders optimize collections and borrowers manage payments.
12K visits/mo
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Quaestor Ledger
✓ verifiedFree trial
AI personal finance ledger for people with 50+ accounts across currencies, auto-detecting transfers to show true cash flow.
7.3K saves
Pricing
No public pricing
No public pricing
No public pricing
Free trial available
Core features
- ✦Secure credit-card linking via Plaid
- ✦AI-generated debt payoff plan
- ✦Prioritizes which card to pay first
- ✦Estimated debt-free date
- ✦Due-date reminders and daily coaching
- ✦Balance-transfer and consolidation suggestions
- ✦24/7 AI money Q&A
- ✦AI-recommended repayment plans
- ✦Smart payment/settlement experience
- ✦Loan portfolio management and optimization
- ✦Real-time reporting and compliance
- ✦RESTful API integration
- ✦Security controls and audit logging
- ✦Read-only bank sync across 12,000+ institutions via Plaid
- ✦AI chat agent to answer questions about spending and subscriptions
- ✦Automatic detection and filtering of internal transfers from burn rate
- ✦Interactive Sankey diagrams visualizing money flow
- ✦Multi-currency net worth tracking with live FX rates
- ✦AI-based receipt scanning that extracts merchant, items and totals
- ✦Automatic matching of receipts to bank or card transactions
Use cases
- →Planning credit-card debt payoff
- →Choosing payment order to cut interest
- →Getting due-date reminders
- →Exploring balance transfers or consolidation
- →Automate loan collections
- →Help borrowers manage and settle debt
- →Optimize lender loan portfolios
- →Integrate repayment into existing systems
- →Individuals tracking finances across dozens of bank and investment accounts
- →People earning and spending in multiple currencies
- →Users switching from Monarch, YNAB, Copilot or Banktivity for more complex needs
- →Households wanting an accurate view of real spend excluding transfers
- →Anyone wanting AI-assisted receipt tracking tied to bank transactions
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