Changed vs Payoff
Changed
gochanged.com
Payoff
payoffdebtplanner.comSide by side
| Figure | Changed | Payoff |
|---|---|---|
| Price from | $4/mo | £4.17/mo |
| Free plan | — | Yes |
| Free trial | — | Yes |
| Open source | — | — |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| Plans published | 1 | 3 |
| Spec score · Debt Management Software | 8.0 (#8) | 7.8 (#14) |
| Headquarters | Chicago, Illinois, United States | Derby, United Kingdom |
| Security | Changed says account information is protected with bank-level encryption. | 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. |
| Support | Changed directs users to its Help Center for answers to common questions and provides a support contact page. | Payoff provides support by email and says it replies within 24 hours. |
Plans
In their own words
Payoff
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.