Payoff: Smart Debt Planner

Betterday Studios

In-app purchases

About this app

Payoff is the debt payoff planner and tracker that pairs you with an AI debt coach. Make a plan to pay off debt, track payments, and see what life looks like when you're debt free — all in one app.

Whether you're paying off credit cards, student loans, auto loans, a mortgage, personal loans, medical debt, or buy now pay later (BNPL) like Klarna or Afterpay — Payoff creates a personalised debt payoff plan in minutes. No bank access needed.

HOW PAYOFF WORKS

Enter your current balance, annual percentage rate (APR), and minimum payment for each debt. Payoff calculates your debt free date and builds an optimised payment plan. Set your monthly budget and watch the payoff chart update instantly.

AI DEBT COACH — LIKE A FINANCIAL ADVISOR IN YOUR POCKET

Most debt payoff apps give you a calculator and say "good luck." Payoff gives you an AI coach that knows your debts:
- "Should I pay off my credit card or auto loan first?" Get personalised advice based on your real balances
- "I got a bonus — where should it go?" Your coach analyses every option
- Like texting a financial advisor who never sleeps and never judges

7 DEBT PAYOFF STRATEGIES + BABY STEPS

- Debt Snowball — smallest balance first for quick wins and motivation
- Debt Avalanche — highest interest rate first to save the most on interest
- Hybrid — AI-recommended blend of snowball and avalanche methods
- Cash Flow Index, Deadline, Highest Balance, and Custom Order
- Built-in Baby Steps guide following Dave Ramsey's proven framework
- 60-second personality quiz to find your perfect debt reduction strategy

POWERFUL DEBT TRACKER & PAYMENT TRACKING

- Dashboard with progress ring, streak counter, and debt-free countdown
- Log payments easily — track progress over time
- What-if scenarios — see how extra payments change your payoff date and interest saved
- Smart Import — snap a photo of your loan statement and AI extracts balance, APR, and minimum payment
- CSV import, payment reminders, calendar sync, and full amortization schedule

FOCUS MODE — FOR WHEN YOU FEEL OVERWHELMED

One tap hides every balance. You see only your progress percentage and one simple action: "Pay $180 to Visa." Focus Mode reduces financial anxiety and helps you trust the plan.

LIFE AFTER DEBT — SAVINGS PLANNER & INVESTMENT TRACKER

Most debt payoff apps stop when you're debt free. Payoff shows you what comes next:
- See how much monthly cash you free up from debt payments
- Set savings goals — emergency fund, dream holiday, first home, down payment
- Investment tracker — plan compound growth for retirement and index funds
- Money timeline maps every milestone from debt payoff to savings to investments

PARTNER MODE — PAY OFF DEBT TOGETHER

Share debts with your partner, split payments, track contributions, and chat with a shared AI coach — all synced in real-time.

EVERY DEBT TYPE, WORLDWIDE

Credit cards, student loans, auto loans, mortgages, personal loans, medical debt, BNPL, tax debt, debt consolidation loans, and more. Loan calculator for any borrowing. 9 languages, multi-currency support. Data stays on your device.

EXPENSE TRACKER & BUDGET PLANNING

Track expenses by category, set budgets, and see how spending connects to your debt payoff plan.

FREE TO START — NO CREDIT CARD REQUIRED

- Track 2 debts free with Debt Snowball and Debt Avalanche strategies
- Dashboard, debt-free countdown, payment reminders, and milestone celebrations
- 5 AI coach messages per month, loan calculator and payment tracking included

PREMIUM — UNLOCK EVERYTHING

- Unlimited debts, AI coaching, and all 7 strategies with personality quiz
- Focus Mode, savings planner, investment tracker, and expense tracker
- What-if scenarios, smart import, CSV import, and partner/household mode
- Full amortization schedule, balance transfer advisor, and custom colours

The average person with a debt payoff plan eliminates debt 2-3 years faster. Start your debt free journey today.

Ratings and reviews

Overall layout is nice. Seeing the estimated time frame for being debt free is motivating. One bug I have found in the app is when I lay out my budget (income - bills- minimum payments = remaining $) and hit save, when I go back later the numbers have changed. however it doesn't affect the overall functionality.

Update: A HUGE Thank You to the Developer for listening to my critique and making some changes! I redownloaded the app and I've been using it for a couple weeks. So far so good! It's very easy to add your debts, the "Payoff Timeline Graph" is nice, I like the way it looks and it runs smoothly. I haven't gone through all the cool functionalities of the app yet but I'm getting around to it. I'll update again after I've used it for some time. This definitely stands above others I've tried.

Nice debt tracker but it won't let me switch to the different free debt methods available so I'm stuck on snowball. I like that it takes your budget into account and the UI is pretty good. A paid free trial option would be nice to test the waters.

What’s new

Welcome to Payoff — your friendly companion on the journey to becoming debt-free.

What's new:
• Grow a care tree that flourishes with your daily check-ins and payment streaks
• Beautiful new milestone celebrations to mark every win along the way
• The free plan now supports unlimited debts — add them all, no limits
• Smoother performance and polish throughout

Thank you for letting us be part of your journey. You've got this!