The smartest way to eliminate debt

Pay off your debt, save your money, and live your life.

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Everything you need to be debt free

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Add your accounts

Enter your credit card, loan, auto and other types of debt to create a complete picture of your financial situation.

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Set your strategy

Enter how much you can afford to pay each month and choose one of our optimized debt payment strategies. That's it!

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See your plan

See your progress each month. Save time and money by paying off your debts in the smartest way possible.

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Eliminate your debt

We'll tell you how to pay off your accounts quickly and save money on interest so you can get closer to being debt free.

Frequently asked questions

What is Payoff Genius?

Payoff Genius is a financial technology company.  We are not a bank or a financial advisor.  We use technology to help you make better financial decisions in paying off debt and finding ways to save money.  

Does Payoff Genius really eliminate my debt?

Although we don't wipe out your debt ourselves, we empower you with all the necessary tools and insights to make informed choices and save money. We guide you towards the most intelligent strategies for debt repayment, setting you on the path to financial freedom.

How much does it cost?

Using Payoff Basic is absolutely free! Our basic service allows you to track your debt and make great decisions.  While we do plan to offer premium products for a monthly fee, our basic service will always be free.

Choose Your Perfect Plan

Payoff Basic

FREE

Everything you need to manage your debt and save.

  • Checkmark Email support
  • Checkmark Debt assessment and payoff plan
  • Checkmark Interest savings alerts
TRY FOR FREE

Payoff Pro

$3/mo

See all your accounts with just a few clicks. The fastest way to create your payoff plan.

  • Checkmark Everything in Payoff Basic
  • Checkmark Connect to your bank accounts for automatic updates
  • Checkmark Email and chat support
  • Checkmark Advanced recommendations
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Payoff Genius

$12/mo

Automate your financial life and save. You automate your minimum payments and pay us whatever additional amount you can. We allocate the extra in the smartest way to save you money. It's that simple.

  • Checkmark Everything in Payoff Pro
  • Checkmark Fully automated extra payments (we do the work)
  • Checkmark and more...
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Be the first to know

 

Learn about product updates and enhancements before anyone else. Plus receive helpful tips to be debt free.