Crush
your debt.
Get free.
PayOffPal is your pocket debt-payoff coach. Punch in what you owe, see your debt-free date in seconds, compare Avalanche vs Snowball, and get a friendly AI advisor cheering you on. No bank linking. No sign-up. No nonsense.
A coach, not a calculator.
Debt-free dashboard
See every debt, total balance, monthly minimums, and your projected freedom date at a glance.
Strategy picker
Avalanche vs Snowball, side by side. See interest saved and months shaved with each approach.
AI advisor
Ask "should I refinance?" or "what if I throw $200 extra at this?" Get a grounded, friendly answer.
Milestones & badges
Little wins matter. Celebrate every balance crossed, every card killed, every month ahead of schedule.
Reports & progress
Track your progress month-over-month. Export PDFs. Watch the line go down. It gets addicting.
Private by default
No accounts, no bank linking, no data leaving your phone. Your finances are your business.
Three steps to a plan.
Add your debts
Balance, rate, minimum. One entry per card or loan. Takes a couple minutes.
Pick your strategy
Avalanche saves more money; Snowball feels better. PayOffPal shows you both, you choose.
Stay coached
Log payments, hit milestones, ask the advisor when life changes. The plan updates with you.
Your debt-free date is closer than you think.
Reach out and I'll walk you through it.