Not a budget tracker. A payoff plan.
Knock down your debt, block by block
Tell us what you owe. We tell you exactly what to pay first — and show you the day you'll be debt-free.
- Free, not a trial. No card, no expiry.
- Never connects to your bank. You enter debts manually.
- Your data is not sold.
Student Loan
$24,500
Car Payment
$8,200
Credit Card
$3,400
Medical Bill
$1,200
Total remaining
$37,300
Tap a block to clear it
Simple as 1-2-3
Your debts in. Your plan out.
No spreadsheets. No guesswork. Just your debts, ranked — with one number to focus on.
Stack your debts
Add your debts in 2 minutes. We'll build your tower and show you the full picture.
Pick your strategy
Snowball for quick wins, or Avalanche to save the most. We'll explain the trade-offs.
Clear the tower
Follow your plan. Watch blocks disappear. Celebrate every milestone along the way.
Together, we've cleared:
$0
total debt paid
0
blocks knocked down
April 2027
avg. debt-free date
Try it yourself
Watch your debt-free date move
Move the slider. Watch your debt-free date get closer.
Student Loan
$21,723
Car Payment
$6,574
Credit Card
$2,437
Medical Bill
$758
April 2030
$622
A better way
Why blocks beat spreadsheets
The Old Way
- Confusing spreadsheets
- Guessing which debt first
- No idea when you'll be free
- Motivation dies after week 2
The Block Way
- Watch your debt tower shrink with every payment
- One number to focus on. We handle the rest.
- Your debt-free date, front and center
- Celebrate every block cleared
Your choice
We do the math. You make one choice.
Both work. Choose the one that fits your personality.
Not sure which fits you? Read the full debt payoff guide
Ready to knock down your first block?
5 minutes. One plan. No spreadsheets required.
PayoffPal in your pocket
Track payments, celebrate milestones, and stay on target — from anywhere. Native apps for iOS and Android, built on the same plan you create today.
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