YOUR DEBT, TRANSLATED
AI that reveals what your loan is really costing you.
Debt Detox turns dense agreements into a clear picture of hidden fees, actual borrowing cost, and your most impactful next payment.
Loan Health Score
Strong repayment habits, but high-cost revolving debt is pulling your score down.
PORTFOLIO SNAPSHOT
The numbers beneath the headline rate
Total debt
$18,610
3 active accounts
True cost of debt
22.3%
Weighted effective annual cost
Hidden charges found
$1,810
9 charges identified
Potential savings
$2,846
With targeted payoff actions
COST GAP
Advertised vs. actual effective cost
Home renovation loan
Advertised 10.9% · Actual 15.8%
+4.9%
Atlas Rewards card
Advertised 24.9% · Actual 32.6%
+7.7%
Studio equipment plan
Advertised 0.0% · Actual 18.4%
+18.4%
Blue reflects the advertised rate. Amber shows the estimated effective cost after financed fees, recurring charges, and penalties.
WHAT YOUR LOAN DIDN'T CLEARLY TELL YOU
Atlas Rewards card is costing more than it looks.
Atlas Credit's headline rate is 24.9%, but fees and charge triggers raise its effective cost to 32.6%. Put extra payments here after maintaining every minimum payment.
Cash advance interest · $146
Interest starts immediately with no grace period.
Late payment fee · $39
Applied after a missed minimum payment.
ANALYZED DOCUMENTS
Your debt map
| Account | Balance | Advertised | Effective cost | Monthly payment |
|---|---|---|---|---|
Home renovation loan Riverbank Finance · Personal loan | $12,480 | 10.9% | 15.8% | $565 |
Atlas Rewards card Atlas Credit · Credit card | $4,870 | 24.9% | 32.6% | $210 |
Studio equipment plan SplitPay · BNPL | $1,260 | 0.0% | 18.4% | $140 |