Payoffly: Debt Payoff Planner

A debt payoff planner and tracker that pinpoints the exact month you become debt-free, comparing Snowball and Avalanche side by side so you see the interest you save over paying only the minimums. Enter balances, APRs and minimums, pick an extra amount per month, and your repayment plan is ready in seconds. No bank login. No SSN. No account. Everything is calculated on your phone, even offline.

YOUR FULL PLAN, NO PAYWALL
Your complete debt repayment plan costs nothing: unlimited debts, both strategies, the debt-free date, total interest and a full month-by-month amortization schedule (interest and principal) for every debt, with no blur and no cut-off after three months. The Schedule tab lists every upcoming payment across all debts. Any loan works: credit cards, store cards, buy now pay later, car loans, student loans, a mortgage or medical bills.

SNOWBALL VS AVALANCHE
Debt snowball pays the smallest balance first for quick wins; debt avalanche pays the highest interest rate first and usually costs less. The debt payoff planner shows both next to each other, with minimum-only payments as the baseline, so you see the trade-off in months and money. Drag the Extra per month slider and the debt-free date, the interest and the order of payoffs update instantly.

YOUR PAYOFF COUNTDOWN
Your debt-free date becomes a home screen countdown the moment you pick a strategy: days left, the month you finish and the next debt to clear. A free home screen widget keeps the countdown in view, and a chart shows every debt falling to zero. A progress ring shows how far you have come, and every paid-off debt becomes a milestone card to share, without amounts.

PAYOFF MATH YOU CAN CHECK
The debt repayment calculator works to the cent. Credit cards can use daily interest, rounded once per billing cycle, and minimums can follow the card rule "1% plus interest, at least $25". Payoffly warns you when a payment does not even cover the interest, so the balance would grow. The "How we calculate" screen shows one real month of your own debt, step by step. Banks round in their own way, so treat the plan as a close estimate.

NO BANK LOGIN. NO SSN.
Your debt data never needs a bank connection, an account number or a sign-up. The data stays on this phone, outside Google cloud backup and analytics. Lock the app with your fingerprint or screen lock and hide it from the Recents screen. Back up to a .payoffly file you save yourself, optionally protected by a password, and import debts from a CSV file. Any currency works, and changing it never resets your data.

A TRACKER FOR EVERY PAYMENT
Every payment you log, or every balance you copy from a statement, updates your payoff schedule on the spot. Payoffly shows whether you are on track, ahead or behind. A due-date reminder per debt helps you avoid late fees, and you can mark the payment as paid right from the notification.

PAYOFFLY PRO
- What-if scenarios: save several plans and compare up to four, such as "+$200 a month" or "sell the car", plus a custom payoff order.
- One-time extras: a tax refund or a bonus, and yearly raises, with the new debt-free date.
- Intro and promo APR: 0% balance transfers and deferred-interest store cards, with a warning before the promo ends.
- Pay schedule: weekly, every two weeks, twice a month or your own paydays.
- PDF and CSV export of the schedule, extra widgets, four more themes, more reminders per debt.
- No ads.
Scenarios, one-time extras, promo APR and pay schedule can also be tried for 60 minutes after a short video, and one export is included. Pro is available yearly, monthly, or as a one-time Lifetime purchase. Subscriptions renew until canceled in Google Play.

DISCLAIMER
Payoffly is a calculator for planning. It is not financial, legal or tax advice. It does not offer loans or make payments.

PRIVACY
This debt payoff planner keeps your debts, balances, rates and payments on this phone. No servers, no account. Available in 11 languages.