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Gauss is a Winter 2022 Y Combinator company that makes an iPhone app for people trying to manage and reduce consumer debt. The company says it connects to a user’s credit profile, monitors balances and offers, and looks for ways to refinance or restructure debt when the terms can improve. On its App Store listing, Gauss frames the app as a way to manage credit cards, budgets, and payoff plans from one place. (ycombinator.com; apps.apple.com)
The app is aimed at users with credit card balances, multiple cards, or a need to keep track of due dates and payment plans. Gauss says it can move balances off expensive cards to a lower-APR credit line, help build credit with a reporting credit line, and send payroll advances to cards to help avoid late fees. It also includes budgeting and cash-flow tracking, plus a personalized AI assistant for recommendations, debt negotiation support, and budgeting guidance. (apps.apple.com; gauss.money)
According to Gauss, onboarding starts in the app by connecting cards and accounts through Plaid. The company says members can see debt-free dates, recommended payments, and automated snowball or avalanche payoff tactics, while continuing to use their existing cards and loans. Gauss also says it can find lower-APR options and execute changes when available, though eligibility depends on factors like credit profile, income checks, and state availability. (gauss.money; apps.apple.com)
Getting the app means downloading it from the App Store on iPhone; the App Store lists it as iPhone only and gives it a minimum iOS requirement of 16.0. Gauss says some services are available only to members, with membership fees for credit products starting at $4.99 per month, and that the app and support are only available in English. Practical limits also matter: certain products are available only in some states, the credit line requires a prime FICO score, and eligibility criteria and terms apply. (apps.apple.com; gauss.money)
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Gauss website · Gauss: Payoff Credit Card Debt for iPhone · YC company profile
Product information checked November 3, 2026. Availability and requirements can change. The social preview is rendered from the app icon or captures the official app or website.