Payoff turns debt repayment into a clear, motivating plan—gamified streaks, weekly targets, and smart nudges that keep you moving forward.
Payoff
Tools that make progress feel obvious—and addictive in a good way.
Connect accounts or add balances manually. We simulate interest and pick the path that saves you most time and money.
Set an achievable weekly target. Keep your streak, watch interest fall off a cliff.
Level up with XP for on‑time payments, extra amounts, and milestones.
Know exactly what to pay next, why, and how it impacts your finish date.
Local‑first by default. Sync if you want; your data stays yours.
One‑click exports for your partner, advisor, or future self.
Three steps to get your payoff plan in motion.
Cards, loans, lines of credit—add rates and minimums.
Avalanche for speed, Snowball for motivation, or a smart Hybrid.
Automate reminders, track streaks, and watch progress compound.
Join the early access list and help shape the app. We’ll invite in small waves.
There will be a generous free tier during early access. We’ll share pricing transparently before launch.
No. You can track everything manually. Secure syncing will be optional for automation features.
At launch we’ll support CAD and USD with localised settings; more currencies will follow.
Yes—CSV and PDF exports are planned from day one.