Monnelia vs Payoff
Monnelia
monnelia.com
Payoff
payoffdebtplanner.comSide by side
| Figure | Monnelia | Payoff |
|---|---|---|
| Price from | $1.99/mo | £4.17/mo |
| Free plan | Yes | Yes |
| Free trial | — | Yes |
| Open source | — | — |
| Web | Yes | — |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| Plans published | 7 | 3 |
| Spec score · Debt Management Software | 8.6 (#4) | 7.8 (#14) |
| Headquarters | Ozoir-la-Ferrière, France | Derby, United Kingdom |
| Security | The privacy policy says Monnelia uses HTTPS to encrypt data in transit, restricts access through role-based controls, and uses AWS infrastructure. | 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 | The maker lists [email protected] for questions and support. | Payoff provides support by email and says it replies within 24 hours. |
| Third-party services | The privacy policy names Google Analytics for website analytics and AdMob for mobile advertising. | Payoff lists Supabase, OpenAI, RevenueCat, Firebase, Apple, and Google as third-party services used for syncing, AI, subscriptions, analytics, crash reporting, and purchases. |
Plans
Monnelia
- FreeFree
- Premium (monthly)$4.99 a month
- Premium monthly$4.99 a month
- Premium (annual)$23.90 a year
- Premium annual$23.90 a year
- Lifetime$49.99, paid once
- Premium lifetime$49.99, paid once
In their own words
Monnelia
Monnelia is a debt payoff planner for tracking balances and exploring repayment plans. It can generate payment plans using snowball and avalanche strategies; its mobile app listing also describes tsunami and custom approaches. The tsunami method prioritizes debts by interest generated from the remaining balance and current interest rate. Users can monitor debts and progress, see interest information for each debt, and review past and missed payments alongside guidance for upcoming payments. Monnelia can project the impact of adding an extra monthly payment. It is available in a web browser and on iOS and Android; a web account requires an email address and password. The maker lists a free account, Premium at $1.99 a year when paid annually, Premium at $4.99 a month when paid monthly, and a 49.99 USD lifetime option. Its privacy policy says users may enter debts and payments, and describes HTTPS encryption in transit, role-based access controls and AWS infrastructure. The terms set a minimum age of 13, with parental permission and supervision required for minors.
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.