Bill Payoff: Bills & Debt Plan

Bill Payoff shows everything that leaves your account each month on one screen, and the estimated day your debts reach zero.

The top of Home shows one number: your bills, subscriptions, debt minimums and any extra payment in your plan, added up for the month. Under it you see your next renewal and your estimated debt-free day.

BILLS AND SUBSCRIPTIONS
- Add anything that repeats: streaming, phone, rent, insurance, utilities, memberships
- Quick pick fills in the name, icon, category and cycle for common bills; you add the price and date
- Eight billing cycles, weekly to yearly, turned into one monthly and one yearly total
- Upcoming bills as a list or a calendar. Swipe a bill left to mark it paid, with undo
- Mark a subscription cancelled and the app totals what you have saved since, using the price you typed

DEBTS AND YOUR PAYOFF DAY
- Enter the balance, interest rate (APR) and monthly payment for credit cards, personal, auto and student loans, medical debt and more
- The app runs your payments month by month, with interest, until every balance reaches zero. The last month is your estimated debt-free day
- Snowball pays off the smallest balance first. When one debt is cleared, its payment moves on to the next
- The Plan screen lists your first 24 months of payments, with the principal and interest in each
- If your payments can never clear your debts, the Plan screen says so
- Log a payment from Home in a few taps. Today's Action suggests which debt to pay next
- Milestones as you clear your first debt, a quarter, half, three quarters and all of what you owe

ON TRACK, AHEAD OR BEHIND
The first payoff day the app works out becomes your starting estimate. A card on Home compares today's estimate with it and says whether you are ahead, behind or on track.

TRY AN EXTRA PAYMENT
On the Plan screen, slide an extra monthly payment to see the payoff month move, then tap to add it to your plan. Home and your payoff day use it until you remove it.

COMPARE CONSOLIDATING (PRO)
Consolidate on the Plan screen compares your plan with rolling some debts into a personal loan, line of credit, balance transfer card or home equity loan. Start from the latest published US rate or your own rate, term and fees, and see the payment, interest and fees and debt-free date both ways. A calculator only: Bill Payoff does not offer or arrange loans.

FREE AND PRO
Free covers up to 5 active subscriptions and 2 debts, the Snowball plan, payment logging, milestones, the on-track card, upcoming bills, and extra payments of up to $25 a month.

Pro is an optional yearly subscription. It adds:
- Unlimited subscriptions and debts
- AI savings ideas for any subscription
- The Avalanche plan (highest rate first) and a side-by-side view of Snowball and Avalanche
- Larger extra payments in your plan
- Consolidate: compare combining your debts
Pro renews every year until you cancel. Google Play shows the price before you buy, and you can cancel any time in Google Play.

AI SAVINGS IDEAS (PRO)
Pick a subscription and tap Get ideas for cheaper plans, alternatives and discounts worth asking about. AI writes the ideas. You see a consent screen first, and nothing is sent until you agree. Only four details of that one subscription are sent: its name, its price, how often it bills and its category. Your debts are never sent. Ideas are general information and can be wrong, so check them with the provider.

PRIVATE BY DESIGN
Every number comes from you. Bill Payoff does not connect to your bank or cards and does not ask for card or account numbers. The app shows no advertising. You need an account with an email and a password to save your bills and debts, and you can try the debt calculator before you sign up. Settings has a Delete account button that removes your account and everything you saved.

Bill Payoff does the math on the numbers you enter. It does not give financial advice, and every date it shows is an estimate.

Questions? [email protected]