PRICING
One plan. No surprises.
Everything included. Cancel anytime.
$19.99
/month
After 14-day free trial
One extra credit card payment can save hundreds in interest. Tova shows you exactly where to make it.
YOUR FINANCIAL PLAN
Personalized payoff roadmap
Avalanche or Snowball strategy, built from your real debts
Daily action plan
Specific things to do today — no more guessing
Future payoff simulator
See your new debt-free date before you change anything
PROTECTION
Collector Shield
Know your FDCPA rights and get word-for-word scripts
Live call guidance
Real-time coaching during collector calls
FDCPA violation tracker
Document every contact — built-in evidence for a real claim
ORGANIZATION
Paycheck planner
Map your income to your bills every pay period
Debt dashboard
One score that shows exactly where you stand
Progress tracking
Net worth, goals, and real momentum over time
ALSO INCLUDED
AI coach
Ask anything about your situation, 24/7, in plain language
English & Spanish
Full support in both languages
No credit card required. Cancel anytime.
Frequently asked questions
Can I cancel anytime?
Yes. Cancel with one click, no questions asked.
What happens after the trial?
You'll be charged $19.99/month. We'll remind you before the trial ends.
Will this hurt my credit?
No. Tova doesn't negotiate your debt, contact creditors on your behalf, or report anything to credit bureaus. It's a planning and protection tool — your accounts stay exactly as they are.
Is my bank account safe?
Yes. Tova never asks for your bank login or account access today. We use bank-level encryption for any data you do enter, and we never sell your information.
Is my financial data safe?
Yes. We use bank-level encryption and never sell your data.
Is Tova available in Spanish?
Yes — fully. Toggle between English and Spanish at any time inside the app.