Payoff AI Pro

Take control of your debt with the power of on-device AI.

Payoff AI Pro is a private, intelligent debt management app that runs AI entirely on your iPhone or iPad. No cloud. No servers. Your financial data never leaves your device.

SMART DEBT TRACKING
Add all your debts - credit cards, student loans, car payments, personal loans - and get a clear picture of your financial situation. Track balances, interest rates, minimum payments, due dates, and credit utilization all in one beautiful dashboard.

AI-POWERED STRATEGIES
Choose from proven payoff methods or let AI build one for you:
- Debt Snowball pay off smallest balances first for quick wins
- Debt Avalanche tackle highest interest first to save the most
- AI Recommended a multi-phase strategy built by on-device AI using your actual numbers
- Custom Order prioritize debts your way

DEEP AI ANALYSIS
Get a thorough, multi-phase breakdown of any debt:
- Risk assessment and health score
- Minimum payment analysis with true cost projections
- Accelerated payoff comparison tables
- Daily, weekly, and monthly interest breakdowns
- 5 specific, actionable recommendations with dollar amounts

AI CHAT ADVISOR
Open the floating chat anytime to talk to your AI advisor. It has access to all your debts, payment history, and saved strategies. Ask things like:
- "Which debt should I pay off first?"
- "How much interest am I paying monthly?"
- "What's my fastest path to being debt-free?"

DETAILED PROJECTIONS
- Full amortization schedules for every debt
- Monthly payment trend charts
- Interest vs. principal breakdowns
- Payoff milestone tracking
- Projected debt-free date

100% PRIVATE
Unlike other financial apps, Payoff AI Pro runs all AI processing on your device. Your balances, interest rates, and payment history are never uploaded anywhere. Protect your data with Face ID or Touch ID.

MULTIPLE AI MODELS
Choose from models like Llama 3.2, Qwen 3, DeepSeek R1, Gemma, Phi 3.5, and more. Download only what you need - each model is optimized for mobile.

ALSO INCLUDES
- Beautiful neumorphic design with dark mode
- iPad-optimized layouts
- PDF export for analysis reports
- CloudKit sync across devices
- Payment reminders
- Credit utilization tracking
- Strategy history

Start your 3-day free trial and see exactly how to become debt-free - faster.

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