Support

Yes! The free plan includes 2 debts, snowball and avalanche strategies, your dashboard, and 5 AI coach messages per month. No credit card required.

No. Payoff never asks for bank access. You manually enter your debts, which means your financial data stays completely private and secure on your device.

Payoff Coach sees your actual debts, balances, interest rates, and payment history. It gives specific advice like "Put your bonus on Chase Sapphire to save $389 in interest" instead of generic tips.

Take our 60-second strategy quiz! Generally: choose Snowball if you need quick wins for motivation, Avalanche if you want to save the most on interest, or Hybrid for a balance of both.

Yes! The Household plan lets you invite your partner, share debts, set split percentages, and even use a shared AI coach. It's designed for couples tackling debt as a team.

Focus Mode hides your total balances and shows only your progress percentage and one simple next action. It's designed for people who feel anxious looking at large debt numbers.

Absolutely. You can change your payoff strategy anytime with one tap. Payoff will recalculate your entire plan instantly.

Payoff is available in 9 languages: English, Spanish, Portuguese, French, German, Japanese, Korean, Chinese (Simplified), and Italian. Multi-currency support included.