THE PROBLEM
When you're in debt,
you're on your own.
Financial advisors charge $200/hour. Debt relief companies take 25% of what you owe. Google gives you 50 contradicting answers. And collectors call knowing you don't know your rights.
Financial advisor
Debt relief company
Tova
Real customer stories will go here as Tova grows. We'd rather wait and show you something true than invent something impressive.
— The Tova team
What Tova Does
Nine tools. Three jobs.
One mission — get you free.
BUILD YOUR PLAN
Tova Score
One number from 0-100 that shows your debt health and goes up every time you take action.
Payoff Plan
Enter your debts and Tova calculates the fastest path out using Avalanche or Snowball strategy.
Future Simulator
Ask "what if I pay $200 extra a month?" and instantly see your new debt-free date and interest saved.
STAY ON TRACK
Daily Actions
Specific things to do today — no more guessing what to focus on next.
Paycheck Planner
Map every dollar of your paycheck to your bills so nothing sneaks up on you at the end of the month.
Net Worth Tracker
See what you own minus what you owe, with projections 6 months to 5 years out.
PROTECT YOURSELF
Collector Shield
Know exactly what collectors can and cannot do under the FDCPA. Get word-for-word scripts to use when they call.
Call Coach
Collector on the line right now? Open Tova, pick what they're saying, and get the exact script to respond.
English & Spanish
Fully available in both languages — because financial clarity should have no language barrier.