Payoff: Smart Debt Planner

What if paying off debt didn't have to feel so lonely?

Most debt apps hand you a spreadsheet and say "good luck." Payoff is different. It pairs you with an AI coach that actually knows your debts, a plan that adapts to your life, and a savings planner that shows you what freedom looks like on the other side.

Whether you're juggling credit cards, student loans, car payments, medical bills, or buy-now-pay-later debt — Payoff creates a personalised debt payoff plan in minutes. No bank access needed. No judgement. Just a clear path forward.

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AI DEBT COACH — YOUR SMARTEST FINANCIAL FRIEND
"I got a $600 bonus — what should I do with it?"
Your AI coach analyses your actual balances and tells you exactly where that money does the most damage. It's like texting a financial advisor who never sleeps and never judges.

7 SMART PAYOFF STRATEGIES + BABY STEPS
- Debt Snowball — smallest balance first for quick wins and motivation
- Debt Avalanche — highest interest first to save the most money
- Hybrid — AI-recommended blend of both approaches
- Plus 4 more: Cash Flow Index, Deadline, Highest Balance & Custom Order
- Built-in Baby Steps guide — follow Dave Ramsey's proven framework from emergency fund to debt freedom to investing
- Not sure which? Take our 60-second personality quiz — we'll match you

A DEBT TRACKER THAT ACTUALLY MOTIVATES YOU
- Beautiful dashboard with progress ring, streak counter, and debt-free countdown
- What-if scenarios — slide to see how one extra payment changes your payoff date
- Log payments, hit milestones, earn streaks — every step celebrated
- Smart Import — snap a photo of your statement, AI extracts everything
- Payment reminders and calendar sync so you never miss a due date

FOCUS MODE — FOR THE HARD DAYS
Feeling overwhelmed by the numbers? One tap hides every balance. You see only your progress percentage and one simple action: "Pay $180 to Visa." Trust the plan. Breathe.

LIFE AFTER DEBT — BECAUSE THAT'S THE WHOLE POINT
Most debt apps stop the moment you're debt-free. We think that's where life starts:
- See exactly how much monthly cash you'll free up from debt payments
- Set savings goals — emergency fund, dream holiday, first home
- Investment tracker — plan compound growth for retirement, index funds & more
- Money timeline maps every milestone from debt payoff to savings to investments
- Watch your debt-free date, savings targets, and investment goals on one screen

PARTNER MODE — TACKLE DEBT AS A TEAM
Share debts with your partner, split payments, track who's contributed what, and chat with a shared AI coach together — all synced in real-time. Because money conversations are easier with the right tools.

EVERY DEBT TYPE. EVERY CURRENCY. EVERY LANGUAGE.
Credit cards, student loans, auto loans, mortgages, personal loans, medical debt, BNPL (Klarna, Afterpay), tax debt — all supported. 9 languages. Multi-currency. Works worldwide. Your data stays on your device.

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FREE TO START — NO CREDIT CARD REQUIRED
- Track 2 debts for free
- Snowball & Avalanche strategies included
- Dashboard with debt-free countdown timer
- Payment reminders & milestone celebrations
- 5 AI coach messages per month

PREMIUM — UNLOCK YOUR FULL POTENTIAL
- Unlimited debts & unlimited AI coaching
- All 7 strategies + personality quiz recommendation
- Focus Mode, savings planner & investment tracker
- What-if scenarios, smart import & CSV import
- Partner/Household mode for couples
- Expense tracker & custom accent colours
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The average person with a plan pays off debt 2-3 years faster than someone paying minimums. Your plan starts today.
You've got this.

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