Toya AI - AI Debt Payoff App
Smart AI Payoff Plans
About
This app analyzes your credit cards and loans to create the fastest AI-powered debt payoff plan. It connects securely to your accounts, shows your debt-free date, and adapts your plan in real-time as balances change.
What's New in Toya AI
1.1.0
August 3, 2026
Toya AI has been rebuilt from the ground up - faster, smoother, and easier to use. • A fresh new look across every screen • Link your accounts to track balances, transactions and bills automatically • Ask Toya AI anything about your debt • Unlock instantly with fingerprint or PIN • Faster loading and fewer errors throughout Thanks for using Toya - send us your feedback anytime.
MoreSubscription plans
Toya AI Pro Monthly
AI debt payoff optimization & smart insights
FAQ
How does Toya AI create a debt payoff plan?
Toya AI analyzes your connected credit cards and loans, including balances, APRs, and due dates. It then uses AI to recommend the optimal payment order and amounts to save you the most interest and reach debt freedom faster than traditional methods like snowball or avalanche.
What types of debt can I track with Toya AI?
Toya AI supports a wide range of debt types, including credit cards (Visa, Mastercard, Amex, Discover), student loans (federal and private), auto loans, personal loans, mortgages, and medical debt.
Is my financial data secure with Toya AI?
Yes, Toya AI uses bank-grade encryption and connects to your accounts securely through trusted third-party providers like Plaid, Spinwheel, and Quiltt to protect your data.
How often does Toya AI update my payoff plan?
Your debt payoff plan is adaptive and updates in real-time. When your balances change, new payments are posted, or your cash flow shifts, Toya AI automatically adjusts your plan to ensure you stay on the most efficient path to becoming debt-free.
What are the subscription options for Toya AI Pro?
Toya AI offers two subscription plans: Toya AI Pro Monthly for $8.99 and Toya AI Pro Yearly for $75.99. These plans likely unlock premium features or remove limitations compared to the free version.
Does Toya AI have ads?
Based on the provided data, Toya AI does not appear to have advertisements. The monetization model is free with in-app purchases, suggesting that any additional features or benefits are offered through paid upgrades.
What is the user rating for Toya AI?
Toya AI currently has a rating of 1.0 stars based on 1 rating. This indicates a very limited number of user reviews at this time.
On which devices can I use Toya AI?
Toya AI is available for iPhone, iPad, and iPod. The app is designed for Apple's iOS ecosystem.