A clear monthly plan
See exactly how much to pay on each card this month, with the reason behind every dollar.
Coming soon · Personal finance app
Debt Payoff Allocator
See exactly what to pay on every credit card, and why.
Why I built it
Most people pay the wrong card first
Clients often spread extra money evenly across every card, or forget a store card's promo until the deferred interest hits. I wanted a tool that does the math the way I'd do it for a client and shows its work.
Enter your cards and your monthly budget. The app builds a month-by-month plan using the Avalanche or Snowball method, protects deferred-interest promos, and shows when you'll be debt-free.
Features
What it does
Avalanche or Snowball
Pay the highest interest rate first to save the most, or the smallest balance first for quick wins.
Promo protection
Deferred-interest store cards get just enough each month to hit $0 before the promo ends.
Live payoff date
Drag your budget slider and watch your debt-free date and total interest change. (Pro)
Payment reminders
Optional reminders before each due date, including the amount your plan says to pay.
Optional backup
Create an account to back up your plan and move it to a new phone. Or stay fully offline.
Pricing
Free to start
Plan two cards completely free. Pro adds unlimited cards, the live payoff date, and the full month-by-month waterfall.
- Up to 2 cards, full plan and remindersFree
- Pro monthly$2.99/mo
- Pro yearly$29.99/yr
- New subscribers7-day free trial
Questions
Common questions
Do I need to connect my bank or enter card numbers?
No. You type in each card's balance, interest rate, minimum payment and due date from your statement.
Does marking a card paid make a payment?
No. The checklist tracks what you've paid. You make the payment in your card issuer's app or website.
Are the payoff dates guaranteed?
No. They're estimates based on the numbers you enter. The app is an educational planning tool, not financial advice.
How do I cancel Pro?
Anytime in your app store's subscription settings.
More answers, plus how to reach support, are on the Debt Payoff Allocator support page. Read the privacy policy and terms of use.