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Get goodat payingoff debt.

PaidOffAI shows you the exact order to pay off your loans, your debt-free date, and saves you thousands in interest in 60 seconds.

Start free trial See how it works

No credit card required · Free 14 days · Then $19/month

Your Payoff PlanAvalanche Active
Total Debt
$28,000
Debt-Free Date
Mar 2028
Interest Saved
$4,200
Monthly Payment
$620
Chase Credit Card
$8,000 at 22.9% APR
32%
Student Loan
$15,000 at 6.5% APR
18%
Car Loan
$5,000 at 9.8% APR
55%
Avalanche saves $1,200 vs SnowballFree in 35 months
$1,200+Average interest saved
2.3 yrsAverage time saved
60 secTo get your plan
100%Personalized to you
Features

Everything you need to
crush your debt.

🤖
AI Payoff Plan in 60 Seconds
Enter your loans and our AI instantly calculates the optimal payoff order, total interest saved, and your exact debt-free date. No spreadsheets. No guesswork.
🏔 Avalanche Save more interest
⛄ Snowball Quick motivation wins
📊
Progress Tracking
Record every payment and watch your bars fill up. Stay motivated every step of the way.
Credit Card42%
Student Loan18%
Car Loan71%
📅
Exact Debt-Free Date
Know precisely when you will make your last payment. A real date to work toward every single day.
⬇️
PDF Export
Download your complete payoff plan as a clean PDF. Print it, share it, or save it for motivation.
🔔
Payment Reminders
Set monthly Google Calendar reminders so you never miss a payment. One click to set up.
📱
Works on Mobile
Fully responsive. Check your plan and record payments from anywhere, anytime.
How it works

Debt-free in
3 simple steps.

01
📝
Add your loans
Enter balances, interest rates, and minimum payments. Supports credit cards, student loans, car loans, and more.
02
⚡
Get your AI plan
In seconds, our AI calculates Avalanche vs Snowball, shows which loan to pay first, and your debt-free date.
03
🎉
Track and celebrate
Record every payment, watch progress bars fill up, and hit your debt-free date ahead of schedule.
Works for all debt types

Whatever you owe,
we have a plan.

💳
Credit Card Debt
High interest — pay this first with Avalanche
35% paid offFree Jun 2026
🎓
Student Loans
Long-term — optimize with smart strategy
22% paid offFree Mar 2029
🚗
Auto and Personal Loans
Mid-range — snowball for quick motivation
60% paid offFree Aug 2026
Testimonials

Real people,
real results.

★★★★★

"I had no idea how much extra interest I was paying. PaidOffAI showed me I could save $3,200 just by changing the payoff order. Complete game changer."

S
Sarah M.
Paid off $22k in credit cards
★★★★★

"Finally an app that tells me exactly what to do. I enter my loans, it spits out my plan. I know which loan to attack first and exactly when I will be debt-free."

J
James T.
$45k student loan journey
★★★★★

"The progress tracker keeps me so motivated. Seeing those bars fill up every month makes me feel like I am actually winning against my debt."

A
Aisha K.
Down to last $8k of debt
Pricing

Simple, honest
pricing.

Start free for 14 days. No credit card needed. Cancel anytime.

Free Trial
$0/14 days
No credit card required
  • ✓Unlimited loans
  • ✓Avalanche and Snowball
  • ✓AI recommendations
  • ✓Progress tracking
  • ✓PDF export
Start free trial
Most popular
Pro
$19/month
After 14-day free trial
  • ✓Everything in Free
  • ✓Save plans forever
  • ✓Full AI analysis
  • ✓Payment reminders
  • ✓Priority support
Get started — free trial

Start your debt-free
journey today.

Join people using PaidOffAI to pay off debt faster and save thousands in interest.

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