Payoff
Payoff: A mobile debt planner with broad strategies, coaching, and scenario tools. Ranked #3 of 23 in Debt Management Software by our editors (8.5/10); pricing: Free plan · paid from £49.99/yr · 7-day trial; best for mobile users wanting coaching and scenarios.
At a glance
- Editor score8.5 / 10
- PricingFree plan · paid from £49.99/yr · 7-day trial
- Best forMobile users wanting coaching and scenarios
- Free planYes
- Facts checked20 Sep 2026
Where it wins
- Supports snowball, avalanche, hybrid, and other payoff strategies
- Combines AI coaching with what-if payoff scenarios
- Tracks balances, APRs, payments, reminders, and debt-free dates
Where it doesn't
- The Premium plan starts at £49.99 per year
- Free includes only 5 AI coach messages per month
- Available on iOS and Android, with Calendar sync as its integration
Our verdict on Payoff
Payoff is a mobile debt payoff planner for people managing credit cards, loans, mortgages, medical debt, and other obligations. It lets users record balances, APRs, and minimum payments, then create repayment plans, log payments, compare payoff dates, and monitor progress. The app is available on iOS and Android, does not require bank access, and suits individuals who want structured tracking alongside coaching and planning tools.
The pricing structure provides a free starting point and two paid tiers. Free costs $0 forever and includes debt tracking, snowball and avalanche strategies, a debt-free countdown, payment reminders, milestone celebrations, and 5 AI coach messages per month. Premium costs £49.99 per year and adds unlimited debts, all 7 strategies, unlimited AI coaching, what-if scenarios, Focus Mode, and Smart Import for statement scanning. Household costs £79.99 per year and adds Partner Mode, shared debts, split payment tracking, and a shared AI coach. A 7-day free trial is also available.
Payoff’s main strength is the range of planning choices in a mobile format. Users can compare repayment approaches, explore what-if scenarios, plan savings and investments, and use a progress dashboard rather than relying only on a single payoff method. Smart Import can scan statements, while reminders support ongoing payment tracking. Partner features make the Household tier relevant to people managing obligations together. The trade-off is a focused ecosystem: the listed integration is Calendar sync, and the product is not a counselor workspace. Choose Payoff if mobile access, coaching, strategy comparisons, and scenario planning matter most; consider another option if you need broader integrations or professional debt-management workflows.
Payoff pricing
All 3 Payoff plans and prices →
Payoff fact sheet
| Free plan | Yes |
|---|---|
| Paid from | Not verified |
| Debt account limit | Not verified |
| Payoff strategies | Both |
| Balance tracking | Yes |
| Creditor tracking | Yes |
| Counselor workspace | No |
| Mobile apps | Yes |
| Free trial | 7 days · no card needed |
| Deployment | Mobile |
| Platforms | iOS, Android |
| Support | Email, Docs |
| Built for | Solo, Small business (editorial estimate) |
| Integrations | 1 integrations: Calendar sync |
| Pricing | Free plan · paid from £49.99/yr · 7-day trial (source) |
| Website | payoffdebtplanner.com |
| Facts checked | 20 Sep 2026 |
Payoff integrations
Payoff lists 1 integrations on its own site.
- Calendar sync
Alternatives to Payoff
- Undebt.itA flexible debt planner for people who want strategy comparisons, schedules, and balance tracking.9.4
- Debt Payoff PlannerA low-cost debt planner with flexible payoff strategies and progress tracking.8.8
- Debt LadderA focused mobile planner for comparing payoff paths and projecting debt-free dates.7.7
Payoff vs the competition
- Payoff vs Undebt.it
- Payoff vs Debt Payoff Planner
- Payoff vs Debt Ladder
- Payoff vs Debt Organizer
- Payoff vs Debt Payoff Planner: Tracker
- Payoff vs DebtClear
Compare Payoff with any tool side by side →
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Reviewed by iTechGuides Editors · Editorial team · Updated Sep 2026
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