Payoff Pricing in 2026
Every plan Payoff publishes, with the page and date we read it from. Prices we could not find on Payoff's own site are marked "Not published", never guessed.
| Plan | Price | Billing | Limits | Source |
|---|---|---|---|---|
| Free | Free | forever | 2 debts · Snowball and Avalanche strategies · 5 AI coach messages/month · payment reminders · milestone celebrations | payoffdebtplanner.com |
| Premium | £49.99 per year | £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 |
| Household | £79.99 per year | £79.99/yr | Everything in Premium · 2 accounts included · Partner Mode · split payment tracking · shared AI coach | payoffdebtplanner.com |