MyDebtLens: Debt Planning Built Around Your Real Monthly Life
MyDebtLens is a U.S.-focused debt-planning web app for people who want to understand not only how long repayment might take, but how a proposed plan fits into the rest of their monthly life.
I mentioned MyDebtLens briefly when I introduced myself here. A privacy question in that discussion also made me realize that a proper product introduction should explain both what the app does and what happens to the information people enter.
Debt planning is the core
MyDebtLens brings debts, payments, income, household expenses, emergency savings, and due dates into one planning workspace.
Users enter the figures relevant to their situation, without having to connect a bank account. These can include balances, APRs, minimum and planned payments, income, expenses, savings, and due dates. First name, last name, and ZIP code are optional profile information.
Those numbers drive the calculations. Balances, APRs, and payments are used to estimate payoff timing and interest. Income, expenses, and savings help show the monthly pressure behind a plan. Due dates make it possible to see when payments fall instead of treating the month as one undivided block.
Depending on their plan, users can compare repayment routes, test changes, see how payment choices affect estimated interest and timing, review upcoming payments through calendar views, and create reports they can return to later.
MyDebtLens brings these pieces together around one central task: helping someone build and understand a practical debt plan.
What “U.S.-focused” means
When I describe MyDebtLens as U.S.-focused, I mean that the app is built around the debt types, terminology, repayment conventions, household-cost pressures, and public data sources that shape financial life in the United States.
Where relevant, official or methodologically documented U.S. data can add geographic, rate, cost, and economic context. That helps explain the environment around a plan without replacing the user’s own figures.
If someone enters an APR of 24%, MyDebtLens calculates from that 24%, not a national average. The same applies to balances, payments, income, expenses, savings, and due dates. The user’s numbers remain the foundation of the plan.
The core product works without AI
The main planning calculations are deterministic. Payoff projections, estimated interest, route comparisons, scenarios, calendars, charts, affordability results, and report figures are produced by application logic, not by an AI model deciding the answer.
Ask MyDebtLens is optional. It can help explain a result, answer questions about a scenario, or put tradeoffs into plainer language.
When a user asks a question, the app may send it with relevant planning context, such as balances, APRs, payments, income, expenses, savings, debt labels, geographic context, and results already calculated by the app.
The feature is designed not to add account email addresses, payment-provider identifiers, or internal account identifiers to the AI prompt. AI cannot edit saved records, move money, make payments, contact creditors, or replace the calculation engine.
Privacy without impossible promises
Debt and household information is sensitive, so MyDebtLens does not make claims such as “absolute privacy” or “nobody can ever access your data.”
Normal public and authenticated web connections use HTTPS, passwords are not stored as readable passwords, and many sensitive debt and household fields are encrypted in application storage. MyDebtLens is not end-to-end encrypted, and restricted authorized administrative access remains technically possible when needed to operate, secure, support, or legally administer the service.
Third-party public-page analytics are kept outside the authenticated debt workspace and are not intended to receive private debt names, balances, income figures, report contents, or private Ask MyDebtLens questions.
MyDebtLens does not make money by matching users with lenders, selling debt leads, or steering people toward debt-relief, settlement, or credit-repair offers. Personal debt information is not sold to advertisers.
Anyone who wants to explore the product first can use the public Demo, which contains fictional financial information.
MyDebtLens is a planning and educational product. It is not a lender, debt-relief provider, credit-counseling agency, or substitute for professional advice.
The goal is practical: help people bring their debt and household numbers together, compare possible repayment paths, and understand the pressure behind those paths.
Before you would trust a debt-planning app with your own numbers, what would you need to see explained most clearly?
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Comments (3)
Ayman, the transparency in this post is refreshing, especially the privacy section. Most apps would just say "your data is safe" and move on and you took the time to explain exactly what happens, what doesn't, and what's technically possible. That builds trust faster.
I like that the core calculations are deterministic and AI is optional. When people are making real financial decisions, it's important to trust the numbers, not wonder if an AI hallucinated them.
To answer your question: before trusting any tool with sensitive financial data, I'd want to see exactly what you've laid out here and you've already done it.
Ayman, laying out exactly what happens to sensitive data instead of just promising it is safe is the kind of honesty that is rare, and it pays off in trust. It reminds me of why FounderFlow grades every insight instead of giving one clean answer, people trust a system more when it tells them what it actually knows instead of asking for blind faith. Curious whether writing this out changed how you think about the AI layer versus the deterministic core, or was that split already clear to you from day one?
Thank you both. Olga, your point about wanting to know exactly what information leaves the app and who can access it is especially helpful. Debt information is too sensitive for vague assurances, so those boundaries need to stay easy to find and understand.
Stacy, the deterministic core and the optional role of AI were deliberate from day one. I never wanted AI deciding payoff arithmetic or changing calculated results. Writing this post was about explaining that distinction more clearly: AI can help explain the plan, but it does not create the underlying numbers.
Do you think that distinction is worth emphasizing more prominently in public-facing product messaging? I would love to hear how others here see it too.
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