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Who It's For

The target user​

Pitch View is designed for people who are earning well but carrying significant debt. This isn't a poverty problem — it's a complexity problem.

Demographics:

  • Household income: $80,000-$180,000/year
  • Total debt: $30,000-$100,000 across 3-8 accounts
  • Age range: 28-45, typically with established careers
  • Often dual-income households with combined obligations

Financial profile:

  • Multiple debt types: credit cards, student loans, auto loans, possibly medical debt
  • Making minimum payments on most accounts, occasionally throwing extra at one
  • Paying $200-$800/month in interest without realizing the exact number
  • Cash flow is tight despite solid income — money comes in, obligations eat it, little remains for strategic allocation

Behavioral profile:

  • Has tried budgeting apps and either stopped using them or found them insufficient
  • Checks bank accounts with mild dread
  • Knows they "should" be doing something about their debt but lacks a system
  • Smart enough to execute a plan — just needs one that accounts for real-world complexity

Why not YNAB?​

YNAB is an excellent budgeting tool for people who have their finances under control. Its core philosophy — "give every dollar a job" — works when you have dollars to give jobs to.

For someone carrying $60,000 in debt across five accounts, YNAB tells you how to allocate your paycheck. Pitch View tells you which paycheck dollars to send to which debt, accounting for interest rates, minimum payments, due dates, and your actual cash flow over the next 30 days.

YNAB is a budget. Pitch View is a strategy.

Why not a financial advisor?​

A financial advisor costs $150-$300/hour and meets with you quarterly. They can't see your checking account balance in real-time. They can't recalculate your debt payoff plan when you get a raise, or when an unexpected expense hits, or when tax withholding changes.

Pitch View runs that analysis continuously, for the cost of a subscription. It doesn't replace a financial advisor for complex wealth management — it replaces the need for one during the debt elimination phase.

The promise​

If you're earning $100,000/year and carrying $50,000 in debt, Pitch View will show you:

  • Your exact monthly interest bleed (often $300-$600 that you don't consciously feel)
  • The optimal payment allocation across all your accounts
  • Your projected debt-free date
  • How adjusting your W-4 withholding could free up $200/month for accelerated payoff
  • What happens to your timeline if you can add $100, $200, or $500/month to the plan

You bring the income and the discipline. Pitch View brings the math and the visibility.