Apple App Store · Apr 2024
Public app listing describing Gauss's debt payoff, balance transfer, credit-building, payroll advance, and budgeting features, plus the $4.99/month membership fee and 14%-18% variable APR on the credit line.
Lower interest rates on existing credit cards
Company research
Public company, workplace, funding, and market signals
Updated Jul 29, 2026
Overview
Gauss is a New York-based consumer fintech and personal credit manager that helps users reduce debt costs, move balances to a low-APR line of credit, build credit, and automate payoff with an AI assistant; the company was formerly Placid Money.
Primary product
AI-powered personal credit manager for debt payoff, balance transfers, and credit building
Founded
2022
Headquarters
New York, NY, United States
Team size
1-10
Work style
Remote
Industry
Financial Services
Sub-industry
Consumer fintech / personal credit management
Offices
200 Vesey Street, 24th Floor, New York, NY 10281, United States
Business model
consumer subscription
consumer lending
balance-transfer / debt-refinancing credit line
Funding
People & investors
Leadership
Co-founder & CEO
Co-founder & COO
Chief Technology Officer
Work & culture
The company presents itself as mission-driven and high-autonomy, emphasizing self-management, fast execution, ownership, and a socially impactful product.
Work style
Remote
Compensation
Public job posts advertise stable compensation around $2,000-$5,000/month net for some roles, plus potential equity, with remote setup and flexible hours; this appears role-specific rather than a universal company policy.
Benefits
flexible hours
remote setup
potential equity options
autonomy and influence
globally resellable FinTech experience
work closely with the founding team
open, fast-moving, fun environment
steep learning curve
mission-driven work
Product & market
Pricing
Freemium-like consumer app with membership fees starting at $4.99/month, plus interest charged on the Gauss credit line (14%-18% variable APR)
Differentiators
- —AI agent that continuously looks for cheaper debt terms
- —Automatic balance transfers to a low-APR credit line
- —Credit Builder with no credit check and fast reporting
- —Debt payoff automation inside a single app
- —Plaid-connected cash flow, budget, and credit monitoring
Technology
Haskell
Dart
Flutter
AWS
Docker
PostgreSQL
Servant
Persistent
Plaid
CodeMagic
Pulumi
BLoC
Navigator 2.0
Router
GitHub Actions
Customers
Consumers carrying credit card debt
People seeking to lower borrowing costs
Users who want to build credit
Users who want automated debt payoff and budgeting help
Competitors
MoneyLion
Bright Money
Tally
Monarch
Empower
Credit Karma
Scale & contact
Estimated revenue
≈$2.4M annual revenue (public estimate)
Estimated monthly visits
14.6K
Traffic estimate as of Jun 2026
Latest news
Gauss Blog · Jan 2024
Credit-score explainer article that supports Gauss's credit education and credit-improvement positioning.
Gauss Blog · Jan 2024
Educational article on debt payoff that reinforces Gauss's positioning around helping users manage and pay down credit card balances.
Gauss Blog · Jan 2024
Personal finance content indicating Gauss maintains a broader money-education blog alongside its debt-management product.
Gauss website · Nov 2022
Explains balance-transfer mechanics and links readers back to Gauss's debt payoff product and calculator.
Jobs and careers at Gauss
0 jobs at Gauss
No open positions
Check back later for new openings