AI Coach

A private planning interface for momentum coaching and practical next actions.

DebtMo Coach

AI-assisted payoff guidance designed without client-side secrets.

Coach response

Local coach output

Ask DebtMo Coach for a next action. Local planning mode returns sample guidance while keeping account numbers out of the prompt.

AI security boundary

Production AI calls should run server-side after auth, minimize debt context, and avoid logging prompts.

Suggested prompts