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SPECIFICTION
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Payoff

payoffdebtplanner.com

From £4.17/mo Free plan iOSAndroid
Visit payoffdebtplanner.com
Spec score 7.8 #14 of 23 in Debt Management Software

What it is

Payoff is a debt payoff planner for Android and iOS, with debt tracking, payoff strategies, AI coaching, and a savings planner. Users add debts manually; Payoff says it does not need 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 a year and adds unlimited debts, all seven strategies, unlimited coaching, What-If scenarios, Focus Mode, Smart Import, a savings and investment planner, and CSV import and export. Household costs £79.99 a year and adds two accounts, Partner Mode, split payment tracking, and a shared AI coach. What-If scenarios update projected debt-free dates and interest savings as users change extra monthly payments. The app supports English, Spanish, Portuguese, French, German, Japanese, Korean, Simplified Chinese, and Italian, plus multiple currencies. Data is stored locally, with optional syncing to Supabase hosted on AWS. Payoff says its AI Coach provides general information, not professional financial, tax, legal, or investment advice. The website invites visitors to join a waitlist for launch.

Spec sheet

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.Read 2 Oct 2026 · payoffdebtplanner.com
Support
Payoff provides support by email and says it replies within 24 hours.Read 2 Oct 2026 · payoffdebtplanner.com
Headquarters
Derby, United KingdomRead 28 Sep 2026 · payoffdebtplanner.com
Advice limitation
Payoff states that its AI Coach provides general information and is not professional financial, tax, legal, or investment advice.Read 2 Oct 2026 · payoffdebtplanner.com
Age requirement
Users must be at least 13 years old to use the app.Read 2 Oct 2026 · payoffdebtplanner.com
AI coach
Payoff Coach uses users’ balances, interest rates, and payment history to provide personalised debt advice.Read 2 Oct 2026 · payoffdebtplanner.com
Availability
The website invites people to join a waitlist to be among the first to try Payoff when it launches.Read 2 Oct 2026 · payoffdebtplanner.com
Bank access
Payoff says it never needs bank access or bank logins and that users manually add their debts.Read 2 Oct 2026 · payoffdebtplanner.com
Data storage
Financial data is stored locally on the device and can optionally sync to Supabase hosted on AWS.Read 2 Oct 2026 · payoffdebtplanner.com
Household use
Household mode lets partners share debts, set split percentages, track contributions, and use a shared AI coach.Read 2 Oct 2026 · payoffdebtplanner.com
Languages
Payoff supports English, Spanish, Portuguese, French, German, Japanese, Korean, Simplified Chinese, and Italian, with multi-currency support.Read 2 Oct 2026 · payoffdebtplanner.com
Product purpose
Payoff is a smart debt payoff planner with AI coaching, seven payoff strategies, and a savings planner.Read 2 Oct 2026 · payoffdebtplanner.com
Scenario planning
What-If scenarios let users change extra monthly payments and see debt-free dates and interest savings update in real time.Read 2 Oct 2026 · payoffdebtplanner.com
Strategy tools
The app offers seven strategies, a 60-second personality quiz, Dave Ramsey Baby Steps, and one-tap strategy switching.Read 2 Oct 2026 · payoffdebtplanner.com
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.Read 2 Oct 2026 · payoffdebtplanner.com

Plans and prices

Free Free forever 2 debts · Snowball and Avalanche strategies · 5 AI coach messages/month · payment reminders · milestone celebrations Read 2 Oct 2026 · payoffdebtplanner.com
Premium £49.99 a year £49.99/yr save 30% Unlimited debts · all 7 strategies · unlimited AI coaching · What-If scenarios · Focus Mode · Smart Import · savings and investment planner · CSV import and data export Read 2 Oct 2026 · payoffdebtplanner.com
Household £79.99 a year £79.99/yr Everything in Premium · 2 accounts included · Partner Mode · split payment tracking · shared AI coach Read 2 Oct 2026 · payoffdebtplanner.com

Every Payoff plan and price →

Strong points and limits

Strong points

  • Free plan covers two debts and two strategies.
  • What-If scenarios update dates and interest savings.
  • Household plan includes two accounts and split tracking.
  • Supports nine listed languages and multiple currencies.
  • Data can remain on-device or sync optionally.

Limits

  • Free plan limits users to two debts.
  • Free plan includes five AI messages monthly.
  • App requires users to add debts manually.
  • Website invites users to join a launch waitlist.

Who it suits

Payoff may suit people who want to enter and track debts without connecting bank accounts, or partners managing debt together. Its AI coaching is general information, not professional financial, tax, legal, or investment advice.

Verdict

Payoff lays out a free entry point and paid options for broader debt tracking, scenario planning, and household use. Consider the manual entry requirement and the stated limits on the AI Coach's advice.

Where Specifiction places it

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