Payoff: Smart Debt Planner
AI Coach, Snowball & Tracker
Only for iPhone
Free · In‑App Purchases · Designed for iPhone. Not verified for macOS.
iPhone
Crush your debt with an AI coach that knows your balances. 7 strategies, partner mode, savings planner & milestone celebrations. Join thousands going debt-free
What if paying off debt didn't have to feel so lonely?
Most debt apps hand you a spreadsheet and say "good luck." Payoff is different. It pairs you with an AI coach that actually knows your debts, a plan that adapts to your life, and a savings planner that shows you what freedom looks like on the other side.
Whether you're juggling credit cards, student loans, car payments, medical bills, or buy-now-pay-later debt — Payoff creates a personalised debt payoff plan in minutes. No bank access needed. No judgement. Just a clear path forward.
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AI DEBT COACH — YOUR SMARTEST FINANCIAL FRIEND
"I got a $600 bonus — what should I do with it?"
Your AI coach analyses your actual balances and tells you exactly where that money does the most damage. It's like texting a financial advisor who never sleeps and never judges.
7 SMART PAYOFF STRATEGIES + BABY STEPS
- Debt Snowball — smallest balance first for quick wins and motivation
- Debt Avalanche — highest interest first to save the most money
- Hybrid — AI-recommended blend of both approaches
- Plus 4 more: Cash Flow Index, Deadline, Highest Balance & Custom Order
- Built-in Baby Steps guide — follow Dave Ramsey's proven framework from emergency fund to debt freedom to investing
- Not sure which? Take our 60-second personality quiz — we'll match you
A DEBT TRACKER THAT ACTUALLY MOTIVATES YOU
- Beautiful dashboard with progress ring, streak counter, and debt-free countdown
- What-if scenarios — slide to see how one extra payment changes your payoff date
- Log payments, hit milestones, earn streaks — every step celebrated
- Smart Import — snap a photo of your statement, AI extracts everything
- Payment reminders and calendar sync so you never miss a due date
FOCUS MODE — FOR THE HARD DAYS
Feeling overwhelmed by the numbers? One tap hides every balance. You see only your progress percentage and one simple action: "Pay $180 to Visa." Trust the plan. Breathe.
LIFE AFTER DEBT — BECAUSE THAT'S THE WHOLE POINT
Most debt apps stop the moment you're debt-free. We think that's where life starts:
- See exactly how much monthly cash you'll free up from debt payments
- Set savings goals — emergency fund, dream holiday, first home
- Investment tracker — plan compound growth for retirement, index funds & more
- Money timeline maps every milestone from debt payoff to savings to investments
- Watch your debt-free date, savings targets, and investment goals on one screen
PARTNER MODE — TACKLE DEBT AS A TEAM
Share debts with your partner, split payments, track who's contributed what, and chat with a shared AI coach together — all synced in real-time. Because money conversations are easier with the right tools.
EVERY DEBT TYPE. EVERY CURRENCY. EVERY LANGUAGE.
Credit cards, student loans, auto loans, mortgages, personal loans, medical debt, BNPL (Klarna, Afterpay), tax debt — all supported. 9 languages. Multi-currency. Works worldwide. Your data stays on your device.
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FREE TO START — NO CREDIT CARD REQUIRED
- Track 2 debts for free
- Snowball & Avalanche strategies included
- Dashboard with debt-free countdown timer
- Payment reminders & milestone celebrations
- 5 AI coach messages per month
PREMIUM — UNLOCK YOUR FULL POTENTIAL
- Unlimited debts & unlimited AI coaching
- All 7 strategies + personality quiz recommendation
- Focus Mode, savings planner & investment tracker
- What-if scenarios, smart import & CSV import
- Partner/Household mode for couples
- Expense tracker & custom accent colours
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The average person with a plan pays off debt 2-3 years faster than someone paying minimums. Your plan starts today.
You've got this.
END USER LICENSE AGREEMENT: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
Your debt-free day starts today.
Payoff turns paying off debt into a calm, guided journey — not another spreadsheet.
• AI Coach for real money advice, in plain English
• Snowball, Avalanche & 5 more payoff strategies
• Focus Mode hides the scary numbers on hard days
• Savings Planner for life after debt
• Household mode for couples paying off debt together
Warm. Empathetic. Actually works.
The developer, JONATHAN DOUGLAS LAI, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
- Financial Info
- Contact Info
- Identifiers
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Identifiers
- Usage Data
- Diagnostics
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- JONATHAN DOUGLAS LAI
- Size
- 58.5 MB
- Category
- Finance
- Compatibility
Requires iOS 15.1 or later.
- iPhone
Requires iOS 15.1 or later. - iPod touch
Requires iOS 15.1 or later. - Mac
Requires macOS 12.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Premium Monthly $5.99
- Household Monthly $9.99
- Household Yearly $79.99
- Premium Yearly $59.99
- Copyright
- © Better Days Studio