A partner for your debt-free journey
We built Payoff Genius to help you manage all your debt in one place, make the most of every payment, and get out of debt sooner.
Tell us about yourself.
We'll get to know your goals and take an inventory of all your debts, minimum payments, and your budget.
We do the math for you.
Your custom Payoff Plan gives you control and helps you find the most optimized path toward your goals.
Consistency is key.
Alerts and reminders keep you on track, and you can see your progress in real time.
Delete Payoff Genius.
Yes, seriously! We want to help you get to debt-free sooner, so you don't need us anymore.
Get out of debt faster. Move on with your life.
Track all your debt.
Compare your options.
Learn new habits.
Celebrate your wins.
Level up with Payoff Genius Pro
Automatic updates for all your accounts
We'll track all of your debt in one place, automatically. No need to update your balances every time you get a statement - you have better things to do with your time.
Personalized feedback to improve your score
Pro members have access to their credit sore and report. We'll analyze your data to find specific factors that are holding you back and give personalized ways to improve.
Be informed, not obsessed
Stop the cycle of checking all your accounts all the time. We'll keep an eye on your balances, interest rates, and credit report and alert you if there's something that needs your attention.