payoff diarythe iOS app →

The debt diary, built for the journey

See your debt-free date in 60 seconds.

Add your debts, pick snowball or avalanche, and watch the exact month you break free — plus what minimums alone would really cost you.

Real numbers. No judgment. No signup. Your debts never leave your phone.

  • 100% free
  • No signup
  • No bank login
  • Snowball or avalanche

Your debt-free plan

your debts

Total: $0

pick a strategy