# Advizel: Calm Debt Advisor — One safe payment a day > Daily debt payment advisor that analyzes finances and suggests safe payment amounts. (iPhone/iPad app by Advizel LLC.) - Source: https://appshunter.io/ios/app/advizel-calm-debt-advisor/id6804871774 (this page in markdown: same URL + `.md`) - Developer: [Advizel LLC](https://appshunter.io/developer/6804871776) - Category: Finance - Price: Free - Rating: 5.00/5 from 1 App Store ratings - Age rating: 17+ - Requires: iOS 15.1 · 54 MB - Languages: American English - Released: 2026-09-17 - Data updated: 2026-10-31 - Monetization: free ## What is Advizel? Advizel is a calm financial advisor for people who earn well and are still underwater. Most money apps hand you a dashboard and more homework. Advizel does the thinking and hands you one thing: the single safest amount you can send toward your debt today, and the reason why. WHAT I DO • One move a day. I read your real balances, bills and income rhythm, project your cash forward, and tell you what is genuinely safe to send right now — not a budget target, an amount your actual month can absorb. • See what's coming. I learn when you get paid and what leaves your account, so I can tell you about a tight day before it arrives instead of after. • See which debt costs you most. I rank your balances by what they actually cost you, and show what each payment does to your payoff date. • Find money already yours. Forgotten subscriptions, duplicate charges, a savings account earning nothing — I surface them and tell you what each one is worth. • Answer real questions. Ask about your own numbers in plain English and get an answer built from your actual accounts, not a generic article. WHAT I WILL NEVER DO • Never move your money. Advizel is read-only, always. I can see your accounts; I cannot touch them. You make every payment yourself, in your own bank app. • Never shame you. No red numbers, no streak punishment, no urgency tricks. Hard information arrives with the plan attached, in the same breath. • Never sell your data. Not to lenders, not to advertisers, not to anyone. I am not paid by any product I might mention, and I take no referral fees. • Never pretend to know things nobody knows. I do not predict markets or pick investments. When something needs a CPA, a fee-only advisor or a nonprofit credit counselor, I say so and point you at one. HOW IT WORKS You connect your accounts read-only through Plaid — the same service used by most major finance apps. Your bank login is never stored by Advizel. Every figure you see is calculated, not guessed at — and the app shows its working, so you can check the math yourself. WHO IT'S FOR People earning a real income who are carrying real debt and are tired of being treated either as broke or as a portfolio. If you have done the math in your head at 3am, this was built for you. Advizel is a general information tool. It is not a bank, not a lender, and not a registered investment adviser, CPA or credit counselor. ## Key features - One safe payment suggestion daily - Projected cash flow analysis - Debt payoff progress tracking - Identification of forgotten subscriptions - Plain English financial questions ## Is Advizel safe? Not enough ratings yet to assess Advizel. ## Is Advizel legit? Advizel: Calm Debt Advisor has limited verification signals. The AppsHunter Legitimacy Score for Advizel is 58 out of 100 points across 7 verification signals from App Store and developer data. ## Frequently asked questions about Advizel ### How does Advizel suggest a payment amount? Advizel reads your real balances, bills, and income rhythm. It then projects your cash flow to determine the single safest amount you can send toward your debt that day, based on your actual financial situation. ### Can Advizel move my money? No, Advizel is a read-only tool and will never move your money. You connect your accounts securely through Plaid, and you make all payments yourself within your own bank app. ### Does Advizel have ads? Advizel is ad-free. The app is committed to not displaying advertisements and does not sell user data to advertisers. ### What kind of financial advice does Advizel provide? Advizel provides general information for debt management and financial planning. It does not predict markets, pick investments, or act as a registered investment adviser, CPA, or credit counselor. ### How often is Advizel updated? Advizel was last updated on October 14, 2026, with version 1.0.2. This indicates regular maintenance and potential feature additions. ### What devices support Advizel? Advizel is currently supported on iPhone and iPod devices. The app is rated for users aged 17 and older. ### How does Advizel handle user data privacy? Advizel will never sell your data to lenders, advertisers, or anyone else. It is not paid by any product it might mention and takes no referral fees. ### What makes Advizel different from other finance apps? Unlike many money apps that offer dashboards and extensive homework, Advizel focuses on providing one actionable piece of advice daily: the safest amount to pay towards debt, along with clear reasoning. ## Version history (last 3 releases) ### 1.0.2 — 2026-10-14 • A loan that has ended no longer stays in my figures as if it were still due. • More accurate figures around card payments. • Clearer questions when I haven't seen a payment, with an answer for a month when nothing was due. • Your bills are now one tap from Today. • Your 30-day outlook includes bills that come every 3, 6 or 12 months. • Subscriptions now finds yearly ones, ones billed through Apple, Google or PayPal, and the same service on two cards. • Plainer wording throughout, and many accuracy fixes. ### 1.0.1 — 2026-10-07 • New tabs: Today, Accounts, Progress and You, with Ask Advizel in the middle. • Four new charts: your next 30 days on Today, your payoff path on Plan, each debt on Accounts, and your card payments by month on Progress. • When a bank stops sending updates I say so plainly, with a Reconnect button beside it. • Ask Advizel now reads the same figures as Today, and card minimums show to the cent. • Larger text fits on every screen. ### 1.0.0 — 2026-09-18 No release notes. ## Apps similar to Advizel | App | Rating | Price | Category | | --- | --- | --- | --- | | [ClearOwn](https://appshunter.io/ios/app/clearown/id6774967710) | — | Free | Finance | | [Budget.](https://appshunter.io/ios/app/budget/id6777996097) | — | Free | Finance | | [moneyMORE: Gambling Debt Help](https://appshunter.io/ios/app/moneymore-gambling-debt-help/id6736508415) | — | Free | Finance | | [Debt Payoff Planner: Snowball](https://appshunter.io/ios/app/debt-payoff-planner-snowball/id6790320555) | — | Free | Finance | | [Debtless: AI Debt & Budget](https://appshunter.io/ios/app/debtless-ai-debt-and-budget/id6749647254) | 4.0 (4) | Free | Finance | | [MizuFlow — Wealth & Allocation](https://appshunter.io/ios/app/mizuflow-wealth-and-allocation/id6780352827) | 5.0 (17) | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-10-31.*