3. Your plan

How it decides

First, AI-Payer protects the daily-living amount and safety buffer you entered. It then prioritizes overdue and near-term required payments, with essentials ahead of other obligations when dates are close. Required debt payments are handled before optional extra payoff. If money remains after protected living costs and required payments, the plan can direct that true surplus toward the highest-APR debt you entered. Bills due after your next expected income can be held for that income.

Important: This is an organizational and educational tool, not individualized financial advice. It cannot know your contracts, grace periods, late fees, shutoff rules, credit consequences, emergency needs, or whether an extra debt payment is appropriate. Confirm consequences with billers and lenders before delaying or changing payments.