Payoff — Debt Tracker

Payoff is the simplest way to plan your way out of debt.
Add your credit cards, loans, or any balance you're paying down. Payoff shows you the fastest route to $0 — with real numbers, a clear timeline, and zero fluff.
TWO PROVEN STRATEGIES
• Avalanche — attack the highest interest rate first. Mathematically optimal. Saves the most money.
• Snowball — knock out the smallest balance first. Builds momentum with quick wins.
See both side by side. Pick the one that fits how you think.
WHAT YOU GET
• Clean payoff chart — watch every balance fall to zero
• Extra-payment slider — see how an extra $50, $100, or $500 a month changes your debt-free date
• Total interest saved — know exactly what each strategy costs you
• Per-debt detail view — APR, minimum payment, projected payoff date
• Offline-first — your data stays on your device. No account. No sign-up. No ads.
PREMIUM (one-time $2.99)
• Custom strategy — drag to set your own payoff order
• Unlimited debts
No subscriptions. No monthly fees. Buy it once, own it forever.
Payoff is for anyone staring at a stack of balances and wondering where to start. Enter your debts, pick a strategy, and watch the plan write itself.