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About Payoff AI

Payoff AI is your personal debt elimination assistant, combining powerful financial tools with artificial intelligence to create customized debt repayment strategies that work for your unique situation. TAKE CONTROL OF YOUR FINANCIAL FUTURE • Add all your debts in one secure place • Track your progress with beautiful, intuitive visualizations • See exactly how much interest you're saving • Watch your debt-free date get closer with every payment AI-POWERED DEBT STRATEGIES • Get personalized recommendations based on your financial situation • Compare multiple payoff methods (Snowball, Avalanche, and Custom) • Receive AI-generated strategies that optimize your path to financial freedom • Save thousands in interest with smarter payment allocation VISUAL DEBT DASHBOARD • See your complete financial picture at a glance • Track your payoff progress with interactive charts • Monitor your monthly payment trends • Celebrate milestones on your debt-free journey SECURE & PRIVATE • Your financial data never leaves your device • Protect your information with Face ID/Touch ID • No account creation required • We respect your privacy - no data sharing or tracking POWERFUL DEBT MANAGEMENT TOOLS • Add unlimited debts and track payments • Visualize the impact of extra payments • See detailed breakdowns of interest vs. principal • Understand exactly where your money is going STAY MOTIVATED • Watch your progress increase with each payment • See how much time and money you're saving • Track your debt payoff journey with detailed statistics • Share your achievements (only if you want to!) Whether you're dealing with credit cards, student loans, car payments, or any other debt, Payoff AI gives you the tools and insights to become debt-free faster than you thought possible. Start your journey to financial freedom today with Payoff AI!

What’s new

Version 1.3 · Updated January 8, 2026

- Bug fixes - Better iOS 26 support

App privacy

The developer, Kaila Consulting Inc., reported these privacy practices to Apple.

Data Not Collected

The developer does not collect any data from this app.

Alternatives to Payoff AI

Looking for apps like Payoff AI? Here are 6 similar apps on the App Store. The highest rated is What's Left Over? (5.0/5), and 2 of the 6 are free to download.

Payoff AI vs. alternatives
App Rating Price Last updated Compare
Payoff AI 2.0 / 5 (1 rating) 4.99 USD January 8, 2026
What's Left Over? 5.0 / 5 (1) 0.99 USD Jun 8, 2026 Compare
Accounts and Balances 4.5 / 5 (2) 1.99 USD Jul 16, 2026 Compare
FinanceHealth – Free Jun 25, 2026 Compare
The Collextion: Balance 5.0 / 5 (4) 0.99 USD Oct 23, 2026 Compare
DebtDown 5.0 / 5 (4) Free Aug 17, 2026 Compare
Simple Register 5.0 / 5 (9) 1.99 USD Oct 24, 2026 Compare

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