ClearPath analyzes your actual debt — credit cards, loans, BNPL — and builds an AI-optimized payoff plan. No guesswork. Just a clear path to zero.
ClearPath doesn't just apply the same template to everyone. It analyzes your balances, interest rates, and cash flow — then recommends the strategy that saves you the most money, in the time that works for you.
Highest interest first. Mathematically optimal — saves the most money overall. For people who want pure efficiency.
Smallest balance first. Quick wins build momentum. Psychologically powerful — for people who need motivation to keep going.
ClearPath blends both methods based on your numbers. Some debts avalanche, others snowball — whatever gets you to zero fastest with the fewest emotional dips.
Klarna. Affirm. Afterpay. Buy Now Pay Later sounds convenient — until you've got 6 installments scattered across 4 apps and no app shows you the full picture. ClearPath tracks your BNPL debt alongside your cards and loans, in one unified view.
Securely link your bank accounts, cards, and BNPL apps via Plaid. Your debt loads automatically — no manual entry required.
ClearPath analyzes every debt, interest rate, and payment pattern. It generates a personalized payoff roadmap — not a generic calculator output.
Watch your debt-free date move closer every month. Set milestones, get AI coaching nudges, and celebrate every win along the way.
"The AI coach told me exactly where to put my tax refund. I'm paying off my credit card 3 months early."
"I tried every debt app out there. ClearPath is the first one that actually tracked my Affirm and Klarna purchases. Game changer."
"Seeing the avalanche method play out — knowing exactly how much I'm saving in interest — is genuinely motivating. I finally stuck with it."
Most people spend years paying off debt the slow way — minimum payments, mounting interest, constant anxiety. ClearPath gives you the map. The AI does the math. You just follow the path.
30-day free trial. No credit card required. Cancel anytime.