Debt Ladder vs Payoff
Debt Ladder
adelyons.com
Payoff
payoffdebtplanner.comSide by side
| Figure | Debt Ladder | Payoff |
|---|---|---|
| Price from | 10.82 BRL/mo | £4.17/mo |
| Free plan | Yes | Yes |
| Free trial | Yes | Yes |
| Open source | — | — |
| macOS | Yes | — |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| Plans published | 8 | 3 |
| Spec score · Debt Management Software | 9.1 (#1) | 7.8 (#14) |
| Data storage | Debt records, payment history, strategy choices, projections and reminders are stored locally and are not sent to the maker's servers. | Financial data is stored locally on the device and can optionally sync to Supabase hosted on AWS. |
| Headquarters | Council Bluffs, Iowa, United States | Derby, United Kingdom |
| Support | Support is provided by email at [email protected], with users asked to include their device and the action they were taking. | Payoff provides support by email and says it replies within 24 hours. |
Plans
Debt Ladder
- FreeFree
- FreeFree
- Debt Ladder Pro Monthly29.90 BRL a month
- Debt Ladder Pro Annual129.90 BRL a year
- Debt Ladder Pro Lifetime249.90 BRL, paid once
- AnnualPrice not published
- LifetimePrice not published
- MonthlyPrice not published
In their own words
Debt Ladder
Debt Ladder 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.