Debt Blaster vs Payoff
Debt Blaster
debtblaster.com
Payoff
payoffdebtplanner.comSide by side
| Figure | Debt Blaster | Payoff |
|---|---|---|
| Price from | — | £4.17/mo |
| Free plan | — | Yes |
| Free trial | Yes | Yes |
| Open source | — | — |
| Windows | Yes | — |
| iOS | — | Yes |
| Android | — | Yes |
| Plans published | 1 | 3 |
| Spec score · Debt Management Software | 8.1 (#7) | 7.8 (#14) |
| Headquarters | Cape Cod, Massachusetts | Derby, United Kingdom |
| Security | ZilchWorks says it uses reasonable administrative, technical, and organizational safeguards, while noting it cannot guarantee absolute 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. |
| Support | Users can contact ZilchWorks support and may send information such as product version, operating system, screenshots, or error messages. | Payoff provides support by email and says it replies within 24 hours. |
Plans
In their own words
Debt Blaster
Debt Blaster has no write-up on Specifiction yet; its figures are above.
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.