Set your course out of debt.

Rumbo connects to your bank, finds what you owe, builds your $500 safety net first — then pays your debts down automatically, smallest first, every payday. You set it once. It runs.

Get early access
Free to join · founding-member pricing at launch · help with a crushing bill is always free
Example screen — your numbers will be your own
Your cushion comes first$500 set aside before a single extra debt payment — so life can't knock you back in.
Smallest debt firstQuick wins you can feel. Every cleared debt speeds up the next.
One flat priceWe never earn more because you owe more. Ever.
Why it feels impossible

The trap isn't you. It's the math.

Minimum payments are designed to keep you paying for years. Interest takes its cut every month, the balance barely moves — and carrying it in your head is exhausting. That's not a character flaw. It's a system that profits when you fall behind.

Payday, inside the trap

Your paycheck arrives
→Interest takes its cut
→Fees take theirs
→Minimums keep you in place
Months of paying — the balance barely moves.

Payday, with Rumbo

Your paycheck arrives
→One automatic move — cushion first, until it's full
→Then extra hits your smallest debt
The bar shrinks every payday — toward a real debt-free date.

Bars are an illustration — not a measured result.

The trap is designed so you never leave. Rumbo is designed so you do.

Step by step

Life looks different on autopilot

A phone glowing in a dark bedroom late at night 2 a.m. · with the trap
A woman sleeping peacefully by a bright window With Rumbo ✓ Moved on payday
A hand holding an envelope stamped past due The mailbox · with the trap
A couple smiling together over their phone at home With Rumbo ✓ Every debt: accounted for
Bills and a calculator spread across a table The kitchen table · with the trap
A family cooking together in a warm kitchen With Rumbo ✓ Cushion: $500

How it works

1

Connect once — read-only

Link your bank in minutes. We find your debts, balances, and paycheck automatically. No typing, no guessing. We can see — we can never take.

No more guessing what you owe.
2

Your safety net comes first

Before attacking any debt, Rumbo builds you a $500 cushion — so a flat tire has somewhere to land that isn't a credit card.

No more one-flat-tire-from-crisis.
3

Then it runs by itself

Every payday, your chosen amount moves automatically — smallest debt first for quick wins. Watch the bars shrink. Change or pause anytime.

No more payday mental math.

The deal that makes it work

  • ✓Debit only until the cards hit $0. Pause them — don't close them. When a card is gone, it comes back as a card you pay in full.
  • ✓Emergencies come from your safety net. That's its job now — not the card's.
  • ✓Paydays run on their own. Before any move we check your balance — if the money isn't there, the move waits for the next payday.
We think it's wrong that a system profits when people fall behind. Rumbo charges one flat price — we never make a cent from your debt.

Crushing bill? Help is free. Always.

If a medical bill or another crushing bill is part of what you owe, Rumbo's help with it is free — for everyone, member or not, forever. The flat subscription pays for the app. Help is never a product.

An example — not a promise

How it plays out

  1. Say you owe $800 on a store card, $1,400 on a Visa, and $1,800 for a car repair — and Rumbo finds about $135 a payday is safe to move.
  2. First ~2 months: your $500 cushion fills up. Life happens? The cushion catches it — not a card.
  3. Next ~3 months: everything extra hits the $800 store card while the others get their minimums. It's gone — one bill fewer, and its old minimum payment joins the attack.
  4. The Visa falls faster than the store card did. The car repair, faster still. Each win speeds up the next.

Your numbers will be different — the app shows your real amounts and your real dates before anything moves. And at every step, you can change it or pause it.

Read-only connection — we can see, we can never take
Your money never passes through our hands — it moves between your own accounts or toward your own debts
Not debt settlement, not credit repair — we never negotiate what you owe or promise a score
Help with a crushing bill is always free — for everyone, forever
We know you've heard promises before. That's why Rumbo is built so you never have to trust us with your money — only with the math. You see every move before it happens, and you can stop it all with one tap.

Be first in line

The app is in development. Waitlist members get early access and founding-member pricing.

One email when your spot opens. No spam, no card — and joining the list never touches your credit.

You're on the list

We'll email you when early access opens. Know someone stuck on the minimum-payment treadmill? Send them a way off:

Fair questions

Is my money safe?

Rumbo's connection is read-only for your data, and money only ever moves between accounts YOU own — checking to savings, or toward your own debts — with your standing permission. We never hold, pool, or touch your money, and we check your balance before every move — if the money isn't there, the move waits.

What does it cost?

Joining the waitlist is free. At launch, Rumbo is one flat monthly price — never tied to how much you owe. Founding members get special pricing, and help with a crushing bill (like medical debt) is always free, for everyone, subscription or not.

When can I use it?

The core app is built and we're testing it now; the bank and payment connections run through licensed partners and are being finalized. Waitlist members get invited to early access first, in order — that's the whole point of the list.

Is my information sold or shared?

Never sold. Never shared for marketing. Your information is used for one thing: running your plan. The connection is read-only and you can disconnect it anytime.

Get early access