The smartest way to get out of debt

Find your best path forward with intelligent planning from Payoff Genius.

SIGN UP Log In
Screen simulations of Payoff Genius guidance video, Payoff plan, payment schedule, and other features
Screen simulation of debt tracking page
QUICK & EASY

Track all your accounts in one place

Get a clear view of your total debt, minimum payments, and debt-free date.

QUICK & EASY

Track all your accounts in one place

Get a clear view of your total debt, minimum payments, and debt-free date.

Screen simulation of debt tracking page
FULLY CUSTOMIZED

Save money by paying it off the smart way

Your Payoff Plan is designed to fit your strategy and budget. We'll do the math on how you can get out of debt sooner.

Screen simulations of Payoff Plan and guidance video

Start a 30-day free trial of Payoff Genius Pro today.

Start my trial
Download on the App Store
Get It On Google Play

Choose Your Perfect Plan

Basic

FREE

Access manual tracking and get a fully customized Payoff Plan.

  • Checkmark Track all your debt in one place
  • Checkmark Customized Payoff Plan
  • Checkmark Alerts and reminders that keep you on track
GET STARTED

Payoff Pro

$7/mo

Save time and let us track your debt for you. Plus, Credit Report and more.

  • Checkmark Everything in Payoff Basic
  • Checkmark Connect to your accounts for automatic, monthly updates
  • Checkmark View your credit score and personalized tips to improve it
TRY FREE FOR 30 DAYS

Genius

COMING SOON

Put debt management on autopilot. We'll execute your Payoff Plan for you.

  • Checkmark Everything in Payoff Pro
  • Checkmark Fully automated extra payments (we do the work)
  • Checkmark and more...
JOIN WAITLIST

Frequently asked questions

Is Payoff Genius a lender or settlement agency?

Payoff Genius is a financial technology company - not a bank or financial advisor. We're also not a debt settlement agency. We make tools that help you make informed decisions about your money.

How does Payoff Genius help me get out of debt?

60% of people wanting to get out of debt report that they "don't know where to start." We do.

We analyze your debt and budget to show you the most effective path to reach your goal - whether that's saving on interest, staying motivated, or getting out of debt sooner. All you have to do is stick to your plan.

How much does it cost?

Using Payoff Basic is free (and ad-free!)  - and always will be! We also offer paid plans that make managing your debt even easier. View pricing here.

How is my data protected?

Your financial info is private and should stay that way! We work with vetted partners and use bank-level security to keep your data safe. 

Feel free to review our Privacy Policy and get in touch if you have questions.

Be the first to know

Learn about app updates and enhancements before anyone else. Plus, get practical tips and encouragement to help you reach a debt-free future.