Pricing
Free. All of it.
No credit card, no trial, no upsell. Enter your debts and get a plan.
Free
$0/month- Unlimited debts
- All payoff strategies (snowball, avalanche, and balanced)
- Projected debt-free date
- Payment tracking and progress history
- Strategy comparison and what-if adjustments
- Saved plans across devices
How PayoffPal stays free
We don't sell your data. PayoffPal doesn't connect to your bank or run credit checks, so there's nothing to sell — the only numbers in the system are the ones you type in yourself.
We're not going to pretend we have a fully worked-out business model to point to. What we can commit to is this: the core payoff planner — entering your debts, running the strategy calculation, seeing your debt-free date, tracking payments — stays free. If a paid tier ever exists down the road, it will add on top of that, not take away features people are already relying on.
What we never charge for
- Entering your debts
- Calculating a payoff plan
- Seeing your debt-free date
- Tracking payments
Questions about pricing?
A few quick answers below, or check the full FAQ.
Is PayoffPal free?
Yes. PayoffPal is completely free to use. No credit card, no trial — just sign up and start planning.
What happens to my data?
Your debt data is stored securely and used only to power your plan. We don't sell your data. See our Privacy Policy for full details.
Does PayoffPal connect to my bank accounts?
No. PayoffPal never connects to your bank. You enter your debts manually — balances, interest rates, and minimum payments. Your data stays with you.
Will PayoffPal ever charge for anything?
There's no paid tier today. If one is ever introduced, it won't remove features you already rely on — the payoff planner itself is committed to staying free.