Payoff

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Score7.1

Rank#6 of 23

From£4.17/mo

Free planYes

Free trialYes

Runs onAndroid, iOS

Summary

Payoff is a debt payoff planner for Android and iOS, combining debt tracking, payoff strategies, AI coaching, and a savings planner. Users enter debts manually; the app says it does not need bank access or bank logins. Its free plan covers two debts, Snowball and Avalanche strategies, five AI Coach messages per month, payment reminders, and milestone celebrations. Premium costs £49.99/yr and adds unlimited debts, all seven strategies, unlimited AI coaching, What-If scenarios, Focus Mode, Smart Import, a savings and investment planner, and CSV import and export. What-If scenarios update projected debt-free dates and interest savings as extra monthly payments change. Household costs £79.99/yr and includes two accounts, split payment tracking, Partner Mode, and a shared AI coach. Payoff supports nine languages and multiple currencies. Data is stored on the device, with optional syncing to Supabase hosted on AWS. Payoff says its AI Coach provides general information, not professional financial, tax, legal, or investment advice. The website invites visitors to join a waitlist for launch.

Who it is for

Payoff suits people who want to track debts and compare payoff strategies, including partners managing shared debts. Its manual entry model and stated lack of bank access may suit users who prefer not to connect bank logins.

What is good

Free plan covers two debts and two strategies.
Seven payoff strategies are available on Premium.
What-If scenarios update dates and interest savings.
Household plan includes two accounts and shared coaching.
Supports nine languages and multiple currencies.

What to know first

Free plan limits users to two debts.
Free plan includes five AI messages monthly.
The AI Coach is not professional financial advice.
The website invites users to join a waitlist for launch.

Verdict

Payoff combines manual debt tracking with strategy options, scenario planning, and AI coaching. Check the free-plan limits, paid-plan costs, and waitlist status before choosing it.

Payoff plans and pricing

All plans

Free Free forever 2 debts · Snowball and Avalanche strategies · 5 AI coach messages/month · payment reminders · milestone celebrations payoffdebtplanner.com · 2 Oct 2026

Premium £49.99/yr £49.99/yr save 30% Unlimited debts · all 7 strategies · unlimited AI coaching · What-If scenarios · Focus Mode · Smart Import · savings and investment planner · CSV import and data export payoffdebtplanner.com · 2 Oct 2026

Household £79.99/yr £79.99/yr Everything in Premium · 2 accounts included · Partner Mode · split payment tracking · shared AI coach payoffdebtplanner.com · 2 Oct 2026

Compared on debt management software

Free plan: Yespayoffdebtplanner.com
Payoff strategies: bothpayoffdebtplanner.com
Balance tracking: Yespayoffdebtplanner.com
Creditor tracking: Yespayoffdebtplanner.com
Counselor workspace: Nopayoffdebtplanner.com
Mobile apps: Yespayoffdebtplanner.com

Facts

Product purpose: Payoff is a smart debt payoff planner with AI coaching, seven payoff strategies, and a savings planner.payoffdebtplanner.com · 2 Oct 2026
Bank access: Payoff says it never needs bank access or bank logins and that users manually add their debts.payoffdebtplanner.com · 2 Oct 2026
AI coach: Payoff Coach uses users’ balances, interest rates, and payment history to provide personalised debt advice.payoffdebtplanner.com · 2 Oct 2026
Strategy tools: The app offers seven strategies, a 60-second personality quiz, Dave Ramsey Baby Steps, and one-tap strategy switching.payoffdebtplanner.com · 2 Oct 2026
Scenario planning: What-If scenarios let users change extra monthly payments and see debt-free dates and interest savings update in real time.payoffdebtplanner.com · 2 Oct 2026
Household use: Household mode lets partners share debts, set split percentages, track contributions, and use a shared AI coach.payoffdebtplanner.com · 2 Oct 2026
Languages: Payoff supports English, Spanish, Portuguese, French, German, Japanese, Korean, Simplified Chinese, and Italian, with multi-currency support.payoffdebtplanner.com · 2 Oct 2026
Data storage: Financial data is stored locally on the device and can optionally sync to Supabase hosted on AWS.payoffdebtplanner.com · 2 Oct 2026
Security: Payoff says data is encrypted in transit with TLS and at rest, with Row Level Security policies limiting access to a user’s own data.payoffdebtplanner.com · 2 Oct 2026
Third-party services: Payoff lists Supabase, OpenAI, RevenueCat, Firebase, Apple, and Google as third-party services used for syncing, AI, subscriptions, analytics, crash reporting, and purchases.payoffdebtplanner.com · 2 Oct 2026
Support: Payoff provides support by email and says it replies within 24 hours.payoffdebtplanner.com · 2 Oct 2026
Advice limitation: Payoff states that its AI Coach provides general information and is not professional financial, tax, legal, or investment advice.payoffdebtplanner.com · 2 Oct 2026
Age requirement: Users must be at least 13 years old to use the app.payoffdebtplanner.com · 2 Oct 2026
Availability: The website invites people to join a waitlist to be among the first to try Payoff when it launches.payoffdebtplanner.com · 2 Oct 2026