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Payoff
Derby, United Kingdom
What it is
Payoff is a debt payoff planner for Android and iOS with strategy tools, AI coaching, and a savings planner. Users manually add debts; the app says it does not require bank access or bank logins. Its free plan covers two debts, Snowball and Avalanche strategies, five AI Coach messages per month, payment reminders, and milestone celebrations. Premium costs £49.99/yr and adds unlimited debts, all seven strategies, unlimited AI coaching, What-If scenarios, Focus Mode, Smart Import, a savings and investment planner, and CSV import and data export. What-If scenarios update projected debt-free dates and interest savings when extra monthly payments change. Household costs £79.99/yr and includes two accounts, Partner Mode, split payment tracking, and a shared AI coach. The app supports English, Spanish, Portuguese, French, German, Japanese, Korean, Simplified Chinese, and Italian, along with multiple currencies. Financial data is stored locally, with optional syncing to Supabase hosted on AWS. Payoff says its AI Coach offers general information rather than professional financial, tax, legal, or investment advice. The website invites people to join a waitlist for launch.
For and against
For
- Free plan includes two debts and payment reminders.
- What-If scenarios update debt-free dates and interest savings.
- Household includes two accounts and shared coaching.
- Supports nine listed languages and multiple currencies.
Against
- Free plan includes only two payoff strategies.
- Premium costs £49.99/yr.
- Household costs £79.99/yr.
- The website invites visitors to join a launch waitlist.
The verdict
Payoff combines manual debt tracking with strategy options, planning scenarios, and coaching. Its website invites visitors to join a waitlist, and its AI Coach is not professional financial, tax, legal, or investment advice.
Who it suits
Payoff suits people who want to track debts and compare payoff strategies without linking bank accounts. Household may suit partners who want shared debt tracking and split payment records.
Plans and prices
Free
2 debts · Snowball and Avalanche strategies · 5 AI coach messages/month · payment reminders
Read 2 Oct 2026 · payoffdebtplanner.com
Premium
Unlimited debts · all 7 strategies · unlimited AI coaching · What-If scenarios
Read 2 Oct 2026 · payoffdebtplanner.com
Household
Everything in Premium · 2 accounts included · Partner Mode · split payment tracking
Read 2 Oct 2026 · payoffdebtplanner.com
On the record
- Advice limitation
- Payoff states that its AI Coach provides general information and is not professional financial, tax, legal, or investment advice.payoffdebtplanner.com · read 2 Oct 2026
- Age requirement
- Users must be at least 13 years old to use the app.payoffdebtplanner.com · read 2 Oct 2026
- AI coach
- Payoff Coach uses users’ balances, interest rates, and payment history to provide personalised debt advice.payoffdebtplanner.com · read 2 Oct 2026
- Availability
- The website invites people to join a waitlist to be among the first to try Payoff when it launches.payoffdebtplanner.com · read 2 Oct 2026
- Bank access
- Payoff says it never needs bank access or bank logins and that users manually add their debts.payoffdebtplanner.com · read 2 Oct 2026
- Data storage
- Financial data is stored locally on the device and can optionally sync to Supabase hosted on AWS.payoffdebtplanner.com · read 2 Oct 2026
- Household use
- Household mode lets partners share debts, set split percentages, track contributions, and use a shared AI coach.payoffdebtplanner.com · read 2 Oct 2026
- Languages
- Payoff supports English, Spanish, Portuguese, French, German, Japanese, Korean, Simplified Chinese, and Italian, with multi-currency support.payoffdebtplanner.com · read 2 Oct 2026
- Product purpose
- Payoff is a smart debt payoff planner with AI coaching, seven payoff strategies, and a savings planner.payoffdebtplanner.com · read 2 Oct 2026
- Scenario planning
- What-If scenarios let users change extra monthly payments and see debt-free dates and interest savings update in real time.payoffdebtplanner.com · read 2 Oct 2026
- Security
- Payoff says data is encrypted in transit with TLS and at rest, with Row Level Security policies limiting access to a user’s own data.payoffdebtplanner.com · read 2 Oct 2026
- Strategy tools
- The app offers seven strategies, a 60-second personality quiz, Dave Ramsey Baby Steps, and one-tap strategy switching.payoffdebtplanner.com · read 2 Oct 2026
- Support
- Payoff provides support by email and says it replies within 24 hours.payoffdebtplanner.com · read 2 Oct 2026
- Third-party services
- Payoff lists Supabase, OpenAI, RevenueCat, Firebase, Apple, and Google as third-party services used for syncing, AI, subscriptions, analytics, crash reporting, and purchases.payoffdebtplanner.com · read 2 Oct 2026
