Lorica

Most debt apps were built for people with steady salaries. Lorica looked at the 59 million Americans in the gig economy and said "nah, these tools don't work for you." They're right. If your income swings from $2,000 one week to $500 the next, a fixed monthly payment plan is useless. Lorica builds a payoff strategy around how you actually earn—whether that's a biweekly paycheck, hourly shifts, or chaotic gig income that never looks the same twice.

Here's the math they throw at you: $9,000 in credit card debt at 22% APR with minimum payments will cost you over $7,000 in interest and take 14+ years to kill. Their simulation shows $2,340 in interest saved over 18 months using their avalanche strategy. You connect your accounts via Plaid, they analyze your income patterns and every balance you carry, then automate the right payment to the right creditor at the right time—every pay period, automatically, before you can spend it elsewhere.

The vibe is automation beats willpower, which is true. Minimum payments are a trap designed to keep you paying interest forever. Lorica's pitch is simple: stop letting the math work against you. They just launched early access.