Payoff Planner - Get Debt Free

Payoff Planner builds a personalized debt payoff plan around your real pay schedule — not a generic monthly budget.
Every pay period, the app looks at your income, bills, minimum payments, and living expenses, then tells you exactly how much extra you can safely put toward debt and which debt to pay first.
See exactly when you'll be debt free. Enter your debts, pick snowball or avalanche, and watch your plan build itself. No bank linking. No subscription. Just a clear plan to get out of debt faster.
WHAT MAKES IT DIFFERENT
Most debt apps ask you to pick a strategy and do the math yourself. This one does the math for you, every paycheck.

- Syncs recommendations to your actual pay schedule
- Protects a living reserve and checking cushion before suggesting extra payments
- Supports five strategies: Score Sprint, Avalanche, Snowball, Hybrid, and Custom
- Shows a full payoff roadmap with estimated debt-free date
- Score Boost mode targets credit utilization breakpoints for faster score improvement

HOW IT WORKS

1. Add your income, bills, and debts
2. Set your living reserve — how much you need for day-to-day spending
3. Each pay period, open the app and follow your plan

The app handles the rest — calculating what's available, prioritizing debts, and adjusting recommendations as you log payments.
BUILT FOR REAL LIFE
Had an unexpected expense? Adjust your plan for this period without affecting future ones. Variable bills? Update estimates per cycle so your extra-payment number stays accurate.
PRO (ONE-TIME PURCHASE)
Unlock Pro for a single payment — no subscription, no recurring charges. Pro removes ads, unlocks full Score Boost, extended Roadmap views, progress history, and backup/export tools. Yours forever.
Your data stays on your device. No account required. No bank linking.