Crush debt. Build savings. Stay motivated.
The smart debt payoff planner with AI coaching, 7 proven strategies, and a savings planner to help you see life after debt.
Coming soon to iOS & Android. Join the waitlist:
Crush debt. Build savings. Stay motivated.
The smart debt payoff planner with AI coaching and 7 proven strategies
Coming soon to iOS & Android. Join the waitlist:
What Payoff Can Do For You
Everything you need to crush debt and build wealth
No Bank Access Needed
Your financial data stays on your device. No bank logins, no syncing, no risk. Just add your debts and go.
Pay Off Debt Faster
People who follow a structured payoff plan eliminate debt 2-3 years faster than those paying minimums alone.
Designed for Your Feelings
Focus Mode hides scary numbers. Milestone celebrations keep you motivated. This app understands financial anxiety.
A debt coach that actually knows your debts
Payoff Coach sees your real balances, interest rates, and payment history. Ask it anything - from "Should I pay off my credit card or car loan first?" to "I got a bonus, where should it go?"
- Personalised advice, not generic tips
- Knows your exact debt-free date
- Suggests where to put bonuses and windfalls
- 5 free messages/month, unlimited on Premium
Find your perfect payoff strategy
Take a 60-second quiz about your money personality. Payoff recommends the best method - snowball for motivation, avalanche for savings, or one of 5 other approaches.
- 7 strategies including hybrid and cash flow index
- Dave Ramsey Baby Steps built in
- Switch anytime with one tap
- See exactly how much each strategy saves
See what extra payments can do
Slide to explore how paying more each month speeds up your debt-free date. Watch the balance chart update in real time as you experiment with different amounts.
- Instant debt-free date recalculation
- Interest savings shown in real time
- Compare minimums vs your plan vs aggressive
Crush debt together
Share debts with your partner, split payments by percentage, and track who has contributed what. One household, one plan, zero arguments.
- Invite partner with a simple code
- Split percentages per debt
- Shared AI coach for joint decisions
- Household plan covers both accounts
Get started in 60 seconds
Add your debts
Enter your balances, interest rates, and minimum payments. Or scan a statement with Smart Import - AI does the typing.
Pick your strategy
Take the 60-second personality quiz or choose from 7 proven methods. We'll build your custom payoff plan instantly.
Watch debts disappear
Follow your plan, log payments, and celebrate every milestone. Your AI coach is there every step of the way.
Loved by thousands getting out of debt
“The AI coach told me exactly where to put my tax refund. I'm paying off my credit card 3 months early!”
Sarah M.
London, UK
“I tried every debt app out there. Payoff is the first one that doesn't make me feel anxious about my numbers.”
Marcus T.
Austin, TX
“Partner mode saved our relationship. We can finally see who's paying what without awkward conversations.”
Priya & Dev K.
Toronto, CA
“The milestone celebrations are genuinely motivating. Paid off my first card yesterday and the confetti made my day.”
James L.
Sydney, AU
Simple, transparent pricing
Start free. Upgrade when you're ready.
Free
- 2 debts
- Snowball & Avalanche strategies
- Dashboard with debt-free countdown
- 5 AI coach messages/month
- Payment reminders
- Milestone celebrations
Premium
7-day free trial
- Everything in Free, plus:
- Unlimited debts
- All 7 strategies + personality quiz
- Unlimited AI coaching
- What-If scenarios
- Focus Mode
- Smart Import (camera scan)
- Savings & investment planner
- CSV import & data export
Household
- Everything in Premium, plus:
- 2 accounts included
- Partner Mode with shared debts
- Split payment tracking
- Shared AI coach
Frequently asked questions
Ready to start your debt-free journey?
Join the waitlist and be first to try Payoff when it launches. No bank access. No commitment.