Your debt-free date. Free.

Payoffly is a debt payoff planner and tracker. Add your credit cards and loans, set what extra you can pay each month, and see the Snowball and Avalanche methods side by side: the date you will be debt-free, the total interest, and how much you save compared with paying only the minimums. No bank login, no SSN, no account and no internet needed.

Get it on Google Play

Free with ads. Your full payoff plan — unlimited debts, both methods and the complete monthly schedule — is free. Payoffly Pro removes ads and adds what-if scenarios, one-time extra payments, promo APR handling, PDF/CSV export, pay-day schedules and widget themes — yearly with a 3-day free trial, monthly, or once for life.

Snowball vs Avalanche

Both methods on one screen, recalculated as you move the extra-payment slider: smallest balance first, or highest interest first.

Your debt-free date

A countdown to the day your last debt is paid, the total interest, and the interest you save versus minimum payments only.

Full schedule, no paywall

Every month, every debt: payment, interest and remaining balance. Unlimited debts in the free version.

Math you can check

Calculated to the cent, with daily interest for credit cards and a warning when a minimum payment does not cover the interest. “How we calculate” shows the working.

Track every payment

Log payments, update balances and see whether you are on track. Optional due-date reminders, one per debt.

No bank login. No SSN.

Your debts stay on your phone only. App lock, encrypted backup file, CSV import and any currency.

Payoffly is a calculator for planning. It is not financial, legal or tax advice, and results may differ slightly from your lender's statements.