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Then Payoff Plan

Then Payoff Plan

$12.00 USD
$29.00 USD $12.00 USD
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TRY FREE DEMO

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The Payoff Plan Debt Tracker — see exactly when you'll become debt free, track every balance and payment, discover how much interest you can save, choose Avalanche or Snowball payoff methods, calculate your personalized payoff timeline, stay motivated with progress tracking and milestones

About this product

Payoff Plan Debt Tracker

The Payoff Plan is a private debt tracker and payoff strategist built for real life. Enter your debts once, then watch your path to zero take shape: which one to attack first, how much interest you'll save, and the exact month you'll be debt-free.

  • 📊 Track every debt in one place — balance, rate, payments, history
  • ⚡ Choose your strategy: Avalanche (save the most money) or Snowball (fastest wins to stay motivated)
  • 💰 See your real debt-free date, recalculated instantly as you pay
  • 📈 Watch your balance — and your interest — drop over time on a visual chart
  • 🔒 Private and on your device, with one-tap backup so you never lose your progress

Every plan adjusts the moment you add an extra payment, so you always know exactly what it's buying you — months saved, dollars saved, freedom sooner.

What changes for you

A debt-free date you can actually see

📊

See it all in one place

Every debt, balance, rate, and payment tracked together — no more guessing where you actually stand.

⚡

Pick a strategy that fits you

Avalanche to save the most money, or Snowball for fast wins that keep you motivated. Switch anytime.

💰

Know your real debt-free date

Add an extra payment and instantly see the exact month you'll be free — not a vague someday.

🔒

Private, with backup built in

Your numbers stay on your device. One-tap export means you never lose your progress.

What moms are saying


  • ⭐⭐⭐⭐⭐

    "It was easy and quick to set up — no lines everywhere like my old spreadsheet. I just entered my debts and it did the rest."

    — Holly J., mom of 2


  • ⭐⭐⭐⭐⭐

    "I backed up my data before getting a new phone and restoring it took two seconds. No stress, no lost progress. Exactly what I needed."

    — Sarah K., working mom


  • ⭐⭐⭐⭐⭐

    "Watching the balance chart go down every time I log a payment is weirdly addictive. It's the first time paying off debt has felt like progress instead of punishment."

    — Devon R., teacher

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Questions

Before you start

What's the difference between Avalanche and Snowball?

Avalanche pays off your highest interest rate debt first, saving you the most money overall. Snowball pays off your smallest balance first, so you get fast wins that keep you motivated. You can switch strategies anytime and see the difference instantly.

How does it calculate my debt-free date?

Based on your balances, interest rates, minimum payments, and any extra payment you add, it calculates exactly when each debt will be paid off and how much interest you'll save along the way.

Is my financial information private?

Yes. Everything you enter stays on your own device. Nothing is sent anywhere or shared with anyone.

What if I clear my browser or switch devices?

Use the built-in export feature to save a backup file anytime. If you ever lose your data, restore it instantly from that backup.

Can I try it before I buy?

Yes — tap "Try it free" above to use the planner yourself before deciding.

What if it's not right for me?

We offer a 15-day return policy — if it's not a fit, just reach out.