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.