Free
Free
2 debts · Snowball and Avalanche strategies · 5 AI coach messages/month · payment reminders · milestone celebrations
Checked 2 Oct 2026
Plans and prices
Payoff pricing
Premium
£49.99 a year
Unlimited debts · all 7 strategies · unlimited AI coaching · What-If scenarios · Focus Mode · Smart Import · savings and investment planner · CSV import and data export
Checked 2 Oct 2026
Household
£79.99 a year
Everything in Premium · 2 accounts included · Partner Mode · split payment tracking · shared AI coach
Checked 2 Oct 2026