Built for people who are serious about getting out of debt

Most budgeting apps will tell you where your money went. PayoffPal tells you when you'll be free.

We built PayoffPal because people carrying debt don't need another expense tracker — they need a plan with a finish line. A concrete date. Something to aim for.

The math behind debt payoff isn't complicated, but running the numbers manually is tedious, and most tools bury it behind paywalls or try to sell you a product. We wanted something honest and simple: enter your debts, pick a strategy, see your path out.

What PayoffPal does

PayoffPal calculates personalized payoff plans using the debt snowball (smallest balance first) and debt avalanche (highest interest first) methods. It shows you exactly how long each path takes, how much interest you'll pay, and what happens when you put extra money toward debt each month.

No bank connections. No subscriptions. No financial advice. Just the numbers.

Not financial advice

PayoffPal is an educational planning tool. The projections are based on the information you enter and are estimates — not guarantees. Every person's financial situation is different. For advice tailored to your circumstances, we recommend speaking with a nonprofit credit counselor (the NFCC is a good starting point) or a qualified financial professional.

Questions or feedback?

We'd love to hear from you. Drop us a message or check the FAQ for quick answers.