Debt Payoff Planner vs Payoff

Debt Payoff Planner is a tool for building and following a plan to become debt-free. It supports debt avalanche, debt snowball, and custom payoff orders, and lets users compare how monthly or biweekly extra payments may change the payoff timeline. Debt records can include promotional APRs, payment frequency, due dates, and minimum payment calculations. Users enter payments and new expenses themselves; the planner then updates balances and the payoff plan. It does not connect to financial accounts. The service runs on Android, iOS, and web. Its Free plan is free, and Pro is $2 a month. The maker describes Pro as adding features for more complex situations and says multi-device access is available to Pro members. An account provides secure login and backed-up data, according to the maker. The product is intended for people managing debts such as credit cards, car loans, or student loans on an ordinary income. Its information is not official financial advice.

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.