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Intelligent Debt Analysis

Actionable insights to manage your debt

450+ reviews

Repayment Optimization

See where you can save money on interest

Debt Repayment

Financial Institute

$499.99 USD

Debt Payment

Loan

$379.09 USD

Credit Health

Improvement opportunities and simulations

Financial Education

Understand your full debt picture

Learn how borrowing behavior and smart payment habits impact your financial future.

Core features

The Ilumoni Intelligent Platform

Intelligent Debt Optimization

- Get immediate updates on debt repayment priority and due dates.
- Identify opportunities to lower your interest costs and improve your credit health.
- Our AI automatically simulates best-case payoff scenarios to motivate progress.
- Track your actual progress toward a debt-free date in real-time.

Personalized Financial Education

Access curated, actionable content based on your unique borrowing behavior to build better financial habits.

Borrowing Behavior Analysis

Understand how your spending and repayment habits directly impact your ability to reduce debt.

Credit Health Monitoring

See how smart recommendations and optimized payments are helping you improve your credit health and financial independence.

Pricing packages

Find the right path to financial independence

Free Insight

$0

Free

Debt Snapshot & Education

Get an overview of your current debt profile and access core educational resources to start your wellness journey.

Debt and interest rate overview
Access to Core Financial Education
Basic Credit Health Score

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Smart Manager

$9

/Month

Intelligent Optimization

Unlock the power of AI to analyze, optimize, and pay down your debt faster.

All Free Insight features
AI-driven Repayment Plan Optimization
Interest Savings Projection Engine
Automatic Payment Reminders & Tracking

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Financial Wizard

$20

/month

Premium Guidance & Control

Complete financial wellness solution with premium tools and personalized support.

All Smart Manager features
Credit Health Improvement Simulations
Personalized Financial Coaching (Chat/Email)
Advanced Borrowing Behavior Reports

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Save 30%

Secure Connection

Smart financial integration, smarter results

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Testimonial

What our clients say

"Ilumoni transformed how I approach my debt. Their insights showed me exactly where to focus, saving me significant interest and making the path to being debt-free finally clear. It's truly intelligent."

John carter

"I never thought managing my loans could be this straightforward. Ilumoni's recommendations are so actionable, and for the first time, I feel confident about improving my credit health and financial future!"

Alex martin

"This app is a game-changer! The personalized education helped me understand my borrowing habits better, and their smart plan is already making a huge difference in my monthly payments. Highly recommend Ilumoni!"