Payoff pricing
3 plans read from payoffdebtplanner.com
FreeFree forever2 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/yrEverything in Premium · 2 accounts included · Partner Mode · split payment tracking · shared AI coach Read 2 Oct 2026 · payoffdebtplanner.com
In short
- Payoff has a free plan (Free).
- A free trial is offered.
- Paid plans published: 2, from £49.99 a year.
What the alternatives costAll alternatives →
| Tool | From | Free plan | Free trial |
|---|---|---|---|
| Debt Ladder | 10.82 BRL/mo | Yes | Yes |
| Debt Payoff Planner: Tracker | $2.50/mo | Yes | Yes |
| FinEase Advocate Portal | $59/mo | Yes | Yes |
| Monnelia | $1.99/mo | Yes | No |
| Debt Payoff Planner | $2/mo | Yes | No |
| CreditSoft | $1,095/mo | No | No |
| Debt Blaster | — | No | Yes |
| Changed | $4/mo | No | No |