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.