Understand
- Debt Analyzer
- Statements
- Connected Accounts
- APR & Fee Analysis
- Credit Utilization
Your debt helpline
Debt is stressful enough.
Getting out of it
shouldn’t be.
Releev helps you understand every debt, see what’s actually costing you money, know what deserves your attention, and build a personalized path out — one step at a time.
See what you owe, what needs attention, and the next steps to start getting out.
9:41••• ▰
releev
A little clearer. A little closer.
You're making progress.
You're making progress.
Your total debt$24,680.00
32% paid off↓ $1,240 this month
Your Freedom DateMay 14, 202918 days closer. Keep going.
0% APR alertPromo ends in 45 daysEmergency fund$500 saved ✓
YOUR NEXT BEST MOVE
A quick call could make a difference.
Let's lower your interest.
Your Capital One APR is 29.24%.A quick call could make a difference.
Prepare my call
Illustrative app preview
A little closer to freedom.Your Freedom Date moved up 18 days.
Understand it.Plan it.Build your way out.Connecting an account is optional.
You’re not alone
You’re not the only one
figuring this out.
Millions of Americans are carrying debt right now.
Credit cardsCar loansStudent loansMedical billsPersonal loansMortgagesCollectionsFamily loans
It can feel like everyone else has their finances under control. They don’t. But being common doesn’t mean staying stuck.
You may not control how you got here.
You can control what you do next.
45%
of U.S. credit card holders carried a balance at least once in 2025, per Federal Reserve data.
$18.8T
in total U.S. household debt as of Q2 2026.
1 Step
Understand your debt. Build your plan. Start moving forward.
The first step
Understanding your debt
is the first step.
Ignoring how much you owe doesn’t make it go away. But understanding it changes everything. When you know:
- What you owe
- What each debt costs
- Which APRs are highest
- Which promotional rates are ending
- Which fees are draining money
- Which debt deserves attention first
…you can finally make a real plan.
You can’t take control of what you don’t understand.
ACCOUNT STATEMENTPayment due.Another balance. Another deadline.
Your full debt picture.
Everything in one place. Nothing to hide from.
Total debt$24,680
Paid off so far$11,614
Capital One29.24% APR
$8,420Chase29.99% APR
$6,260Citi0% promotional APR
$10,000 You have a plan. You have a way forward.
Your app screenshot goes here
How Releev works
Your debt helpline —
all in one place.
Releev helps you figure out what to do with each debt instead of simply showing you another balance.
- 01
Understand
See your complete debt picture.
- 02
Analyze
APRs, fees, utilization, promotions, and deadlines.
- 03
Prioritize
Know which debt deserves attention first.
- 04
Act
Make payments, prepare negotiations, protect promo rates, trim expenses.
- 05
Adjust
Update the plan when your income or life changes.
- 06
Stay Free
Build savings and avoid falling back into debt.
One place for your entire debt journey: understand → plan → act → track → stay free.
No juggling a budgeting app, a credit app, a debt spreadsheet, and a separate place for advice.
Debt Analyzer
See what Releev sees
in every debt.
A balance only tells part of the story. Releev reads the details — the APR, the promo deadline, the utilization, the fees — and tells you what they mean together.
That’s the difference between a tracker and a helpline.
Capital OneILLUSTRATIVE EXAMPLE
Balance$8,420
Purchase APR29.24%
0% Promo Balance$3,000
Promo EndsMarch 17, 2027
Utilization84%
Interest This Month$126
Fees$35
Releev’s Take
Your promotional balance has a deadline, while the rest of this account is generating significant interest.
Your debt analyzer screenshot goes here
Know what to do with each debt
Every debt is different.
Your plan should know the difference.
A 0% promotional card shouldn’t be treated like a 29.99% card. A mortgage isn’t a payday loan. A family loan may matter to you differently than the math suggests. Releev looks at the complete picture.
High APR
Consider prioritizing interest cost.
0% Promo
Protect the expiration date.
Past Due
Stabilize first.
High Utilization
Consider credit profile impact.
Family Loan
Include your personal priorities.
Collection
Understand the situation before acting.
Releev helps you know what each debt needs — not just how much you owe.
Build your plan
Once you understand the debt,
build your way out.
Your Freedom Date, a monthly target, the order to pay, your emergency fund, and the interest you could save — in one plan.
Debt feels different when it stops feeling endless. Releev turns balances into a timeline and shows how your actions move that date closer.
Got a raise?Lost income?Negotiated an APR?Cancelled a subscription?Made an extra payment?
Your plan changes when your life changes. Releev recalculates.
Give your debt an ending
May 14, 2029
Your Freedom Date · 31 months sooner
Monthly target$1,150
Debt orderCapital One → Chase → Citi
Emergency fund$500 of $1,500
Interest savings$8,420 potential
Next best action: add $50 to Capital One
Illustrative projection · your plan screenshot goes here
Less debt. More life.
Getting out of debt shouldn’t mean putting your whole life on hold.
Getting out of debt does require choices. Sometimes that means saying “not yet.” Sometimes it means spending differently, or earning more.
But becoming debt-free shouldn’t require years of feeling miserable. Releev helps you understand the tradeoffs so you can make intentional decisions without losing sight of the life you’re building.
The goal isn’t to stop living.
It’s to stop letting debt control how you live.
It’s to stop letting debt control how you live.
Stop the bleeding
Before you pay faster,
stop debt from getting worse.
New card spending. Past-due accounts. No emergency buffer. Recurring expenses, fees, and promo deadlines. Releev helps you spot what’s keeping you stuck.
Start with a practical stabilization plan — not a list of everything you should have done differently.
EXAMPLE PLAN
Your Stabilization Plan
- 1Bring Chase current
- 2Keep a $500 emergency buffer
- 3Stop adding new Capital One debt
- 4Review $87/month in subscriptions
- 5Protect your Citi 0% APR
Your best move today
Call Capital One about your 29.99% APR.
Potential benefit: lower interest and a shorter payoff timeline.
Review
subscriptionsAdd
emergency savingsProtect
promo APR
subscriptionsAdd
emergency savingsProtect
promo APR
Illustrative next-action preview · screenshot-ready
Your next best move
You don’t need more financial information.
You need to know what to do next.
Releev looks at your actual situation and surfaces the action that matters most — like someone sitting beside you, helping you solve it.
Everything Releev helps with
Grouped around what you need,
not a list of tools.
Take Action
- Payoff Plan
- Negotiation
- Extra Payments
- What-If Simulator
Find More Money
- Subscriptions
- Money Leaks
- Earn More
- Side Income
Protect Yourself
- Emergency Fund
- Promo APR Alerts
- Financial Calendar
- Risk Alerts
Stay Motivated
- Freedom Date
- Wins
- Momentum
- Weekly Check-In
Ask Releev
- Personalized AI Coach
Small wins
You shouldn’t have to wait
until $0 to feel progress.
Every good decision matters. Releev makes those wins visible.
APR reduced29.24% → 9.99%
Subscription cancelled+$65/month
Emergency fund+$100
Utilization84% → 71%
Freedom Date18 days closer
Extra payment+$250 toward debt
Illustrative milestones. Your results will depend on your situation.
Ask Releev
My income dropped. What should I change?My 0% rate ends in 3 months. What do I do?Is this creditor offer actually good?Can I afford this trip without hurting my plan?How can I earn another $500 this month?
Illustrative conversation · your AI coach screenshot goes here
AI coach
Ask Releev about your actual situation.
Not generic tips. Releev uses your debts, deadlines, and goals to make guidance relevant to you — because your life doesn’t fit a one-size-fits-all answer.
Releev provides financial education, not personalized legal, tax, or professional financial advice. AI guidance may be inaccurate. Verify important information and consult a qualified professional when needed.
Built from experience,
not just spreadsheets.
Releev was created after its founder experienced firsthand how stressful significant debt can become. The numbers are only part of it. Debt can affect sleep, confidence, relationships, and everyday decisions — and sometimes the hardest part is simply knowing where to start.
Releev was built to make that clearer. No judgment. No pretending everything can be fixed overnight. Just a better way to understand what’s happening and start moving forward.
Your pace. Your choice.
Start your way.
Connect Accounts
Keep supported balances and transactions easier to update.
Upload a Statement
Let Releev analyze the details. You review extracted information before it’s saved.
Enter Manually
Prefer not to connect anything? That’s completely fine.
You stay in control. Releev doesn’t require you to connect a bank to use the app.
What membership could uncover
Releev can help you find money you may already be losing.
High interest, unnoticed fees, forgotten subscriptions, expensive debt terms, and missed opportunities can quietly cost far more than a Releev membership.
Releev$14.99/month
One year: about $180
vs.
Possible money leaks
Unused subscriptions$40–$100+/month
High-interest debtPotentially hundreds per month in interest
Late / account fees$30–$100+ at a time
Poor payoff strategyPotentially significant long-term interest
Interest You Could Be Paying
A high-interest balance can cost hundreds or even thousands of dollars over time. Releev helps you see where interest is doing the most damage.
Subscriptions & Recurring Expenses
A few unused subscriptions can add up to $30, $50, $100+ every month. Releev helps you spot them and decide what’s still worth keeping.
Fees
Late, annual, overdraft, and other fees can quietly pile up. Releev brings them into view so you can decide what to do.
Better Debt Decisions
Paying the wrong debt first or missing a promo deadline can get expensive. Releev shows which debts deserve attention and why.
Negotiation Opportunities
Some accounts may have options worth exploring that could reduce financial pressure. Releev helps you know when it may be worth acting.
If Releev helps you avoid one unnecessary fee, cancel one forgotten subscription, make one smarter payoff decision, or reduce even a small amount of interest, it may already cover the cost of membership.And the bigger opportunities can be worth much more.
For many people, the annual cost of Releev can be less than the interest, fees, or recurring expenses that go unnoticed in only a few months. The point isn’t to spend more — it’s to understand where your money is already going.
Your debt may already be costing you more than you realize.
Releev helps you find the opportunities, understand the tradeoffs, and make better decisions with the money you already have.
Then $14.99/month. Cancel anytime. Savings aren’t guaranteed and depend on your situation.
One simple membership
One plan. Everything included.
Your debt is complicated enough. Your membership shouldn’t be.
Monthly
$14.99/month
14-day free trial · $0 today
BEST VALUE
Yearly
$119.99/year
14-day free trial · $0 today
Try Releev free for 14 days. Cancel anytime before your trial ends and you won’t be charged.
Releev Membership — everything included
- AI Debt Analyzer
- AI Coach
- Personalized Payoff Plan
- Freedom Date
- Connected Accounts
- Statement Analysis
- Negotiation Tools
- Subscription Finder
- Emergency Fund Tools
- Credit Insights
- Earn More Tools
- Unlimited Debt Tracking
Personal by design
Your financial life
is personal.
Releev is designed to use your financial data only to provide the tools and guidance you choose to use.
Account connection is optional.Manual entry is always available.You control what you connect.You can disconnect accounts.Bank credentials are handled through the supported connection provider, not entered directly into Releev.
Start getting out of debt today
Ready to start getting out of debt?
You don’t need to solve everything today. Start by understanding exactly where you stand.
Your first step toward less debt, less stress, and more freedom.