See exactly how much interest you're losing and get your fastest payoff plan.
Most people are paying $3-5 per day in credit card interest.
That's over $1,200 per year quietly going to banks.
Most people save hundreds or thousands once they see their numbers.
One-time payment • No subscription • Instant access
$3.42
Lost every day
More than your daily coffee
$104
Lost every month
That's a phone bill
$1,248
Lost every year
Gone forever to banks
This money is quietly going to banks instead of staying in your pocket.
Track your debts, income, and bills in one place. The Payoff Engine calculates your exact payoff plan, shows your credit utilization, and helps you budget every paycheck. One payment. Yours forever.
Calculate exactly how much your debt costs per day, week, and month. Most people are shocked when they see the real numbers.
Compare Minimum Payments vs Snowball vs Avalanche. See which strategy saves you the most money and time.
See your exact utilization percentage and get specific paydown targets to improve your credit score.
Track your income, bills, and available cash after expenses. Know exactly how much you can put toward debt each month.
Get your complete debt payoff plan in under 3 minutes
Add your credit cards, loans, and other debts. Include balances, interest rates, and minimum payments.
Instantly see your daily interest leak, total payoff time, and how much money you're losing to banks.
Use your optimized payoff strategy to eliminate debt faster and keep thousands of dollars from banks.
People using The Payoff Engine are saving thousands
$3,128
Saved in interest
"I had no idea I was paying this much. The Payoff Engine showed me a better way."
— Sarah M.
18 mo
Faster payoff
"Changed my entire approach to debt. Now I have a clear path to freedom."
— Michael T.
$4.12
Daily leak stopped
"Seeing the daily cost made it real. I'm paying extra every month now."
— Jennifer K.
Every day you wait costs you money. Calculate your interest leak now.
$19 one-time • Full app access forever • All future updates included