SmoothPay analyzes your income history, calculates exactly how much to set aside each month, and ensures every bill is paid on time — even when income dips.
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How It Works
SmoothPay sits between your variable income and your fixed obligations — automatically managing the gap so you never have to.
SmoothPay securely connects to your bank via Plaid and reads 12–24 months of transaction history to understand your income patterns — payroll, gig earnings, commissions, and more.
Our patent-pending Income Variability Metric scores how much your income fluctuates month to month. The higher the variability, the more cushion you need — we calculate it precisely.
Based on your IVM score and your specific obligations, SmoothPay automatically sets aside the right amount each month into your personal FDIC-insured reserve account.
On each due date, SmoothPay pays your lender directly via ACH transfer — drawing from your reserve when income is low, and replenishing it when income is high.
The IVM™ Score
The Income Variability Metric is our patent-pending algorithm that translates income unpredictability into a precise reserve recommendation — per obligation, per month.
Calculated from your real history. Not estimates or averages — your actual 12–24 month income record, classified by source type.
Per-obligation precision. Your car loan and your rent each get their own contribution recommendation based on the same IVM score.
Recalculated monthly. As your income changes, your IVM updates automatically — so your reserve always reflects reality.
Patent pending. No other app combines income variability analysis with per-obligation reserve management and direct lender payment.
Features
SmoothPay is built on proven fintech infrastructure — secure, reliable, and designed to work invisibly in the background.
Your smoothing reserve is held in an FDIC-insured Financial Account powered by Stripe Treasury — the same infrastructure used by leading fintech companies.
We connect to your bank via Plaid — the industry standard used by thousands of financial apps. Read-only access for income analysis, never write access.
See your IVM score, average monthly income, and contribution recommendations for every obligation — all in one clean, intuitive view.
SmoothPay pays your lender directly via ACH transfer on the due date. No manual transfers, no late fees, no stress — even when income dips.
Your IVM score and contribution amounts update automatically every month as new income data comes in. No manual adjustments needed.
Available on iOS and Android. A beautifully designed app that shows you exactly what's happening with your income, reserve, and payments.
Pricing
One flat monthly fee. No hidden costs, no transaction fees, no surprises.
Early Access
SmoothPay is launching soon. Join the waitlist for early access and to be notified the moment the app is available.
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Whether you're an investor, a potential partner, or someone who wants to learn more about SmoothPay — we'd love to hear from you.