P/O Pay-It-Off
Your data never leaves this device
A private debt payoff planner

Debt free. Financial independence. Save today. Invest tomorrow.

Enter your cards. Pay-It-Off runs the math — avalanche vs. snowball, month by month — and prints your debt-free date. Everything happens in your browser. No account, no upload, no data broker.

Run my numbers — free No debt? Start with your budget
No sign-up. No tracking.
💡 Start by tracking your current debts to see the big picture.
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Step 1 of 2 · Free

List every card you're carrying

Grab the numbers from your latest statements. Nothing you type here is stored on any server — close the tab and it's gone unless you save it below.

Even $50 extra changes the math more than most people expect.

Avalanche saves the most interest. Snowball gives faster wins.

Where do I find these numbers?
  • Balance — the "New balance" on page 1 of your latest statement, or your app's home screen.
  • APR — on your statement under "Interest Charge Calculation," usually the last page. Use the Purchases APR.
  • Minimum payment — in the payment box on page 1, labeled "Minimum payment due."
  • Close enough is fine — you can refine the numbers anytime, and nothing here leaves your device.
Find your number · Income & budget

Where does the extra payment come from?

Most people guess — and guessing is how balances grow. Enter your take-home pay and real monthly spending. In Debt, Pay-It-Off shows what you actually owe in one place — or exactly how deep the hole is. Debt-free, it shows what you can save or invest every month.

$0 · pulled from your debts above
Build wealth · Savings & investment

How much can you save and invest?

Not in debt? Plan to use your payoff surplus to invest? See how your savings can grow in the stock market over time. Enter your monthly savings amount, investment return rate, and time horizon.

Health check · Financial snapshot

Your Financial Health Score

Get a comprehensive overview of your financial situation at a glance. This dashboard shows your debt-to-income ratio, emergency fund status, savings rate, and overall financial health score.

Monitor · Your progress over time

Financial Progress Tracker

Track how your financial health improves over time. Your data is automatically saved each time you calculate. View trends to stay motivated and see real progress.

Compare · Avalanche vs snowball

Payoff Strategy Comparison

See the detailed difference between the Avalanche method (highest interest first) and the Snowball method (smallest balance first). Both get you debt-free, but they take different paths.

Prepare · Safety net

Emergency Fund Calculator

Financial experts recommend keeping 3-6 months of expenses in an accessible emergency fund. Calculate how much you need and how long it will take to build your safety net.

Track · Your assets & liabilities

Net Worth Tracker

Track your complete financial picture: everything you own (assets) minus everything you owe (liabilities). Monitor your progress toward financial goals.

Your Assets

Your Liabilities

Export · Share your progress

Download Reports & Share

Export your financial calculations as printable reports, email results to yourself, or share your scenario with a link. All sharing is done securely on your device—nothing is uploaded to servers.

Share on Social Media

Share your financial journey and inspire others to take control of their finances.

Compare · Before and after impact

Scenario Comparison Tool

Compare your current situation with a potential future scenario. See exactly how changes to income, expenses, or payment strategy impact your financial goals.

Plan · Your financial targets

Financial Goals Tracker

Set specific, measurable financial goals and track your progress toward them. Define milestones for debt payoff, savings targets, net worth goals, and more.