Payoff vs Lighten

Pay off what you owe, one month at a time. Payoff turns your debts into a plan you can actually follow: what to pay, on which debt, this month. Tick each one off as you pay it, and watch the debt-free date come closer. THIS MONTH'S PLAN Every month, Payoff works out exactly what to put on each debt. Log a payment in two taps — the minimum, the planned amount, or the lot — and the plan updates itself. SEE WHAT YOU'RE SAVING Your plan against paying minimums only, side by side: the years and the interest you avoid. Drag the extra-payment slider to see what another $50 a month would do. EVERY STRATEGY, COMPARED Avalanche, Snowball, Hybrid, Cash-flow first and Promo deadline — for 0% and intro rates. Best plan for me runs all of them on your actual debts and tells you which wins, and why. PROGRESS WORTH WATCHING How much you've paid off, your debt-free countdown, whether you're ahead of plan, and every payment you've logged. Each debt gets its own progress bar. NEVER MISS A DUE DATE Reminders a few days before each debt is due, at a time you pick. ON YOUR HOME SCREEN A widget with your debt-free countdown, so your progress is there without opening the app. WORTH SHARING Turn your debt-free date into a card for Stories, or celebrate a debt you've cleared. Hide the amounts if you'd rather not show the numbers. YOURS, AND PRIVATE No account, no ads, no analytics. Your debts never leave your phone. Lock the app with Face ID, pick from 16 currencies, and switch to dark mode. FREE, OR PREMIUM Free for three debts, with Avalanche and Snowball, this month's plan, payment logging, progress, the minimums comparison, share cards, the widget, currencies, dark mode and Face ID. Payoff Premium is a one-time purchase for unlimited debts, Best plan for me, the other three strategies, custom order, the extra-payment simulator, due-date reminders and CSV export. No subscription.

Stop guessing when you'll finally be debt-free. Lighten is a straightforward payoff planner for anyone juggling more than one debt — credit cards, personal loans, installment plans, or app loans. Add every balance you owe, pick a strategy, and watch your exact payoff date update in real time. HOW IT WORKS 1. Add your debts — balance, interest rate, minimum payment 2. Choose Snowball (smallest balance first) or Avalanche (highest interest first) 3. Follow your month-by-month roadmap to $0 WHY PEOPLE TRUST LIGHTEN Your data never leaves your phone. No account, no bank login, no server, no tracking. Every calculation happens locally on your device — the way a debt tool should work. KEY FEATURES • Unlimited debts tracked — free, always. We never gate the one thing that matters most: seeing your full picture. • Real interest-rate math, including the hidden cost of "fixed rate" loans, shown as their true effective rate • Instant warning when a minimum payment doesn't even cover the interest — the debt trap most people never notice • Monthly payoff roadmap showing exactly which debt to focus extra payments on • Payment reminders so you never miss a due date • Available in English, Vietnamese, Spanish, Portuguese, and Indonesian LIGHTEN PRO (one-time purchase, no subscription) • Compare multiple what-if scenarios side by side • Advanced progress charts • Export your roadmap as a PDF • Remove ads Lighten doesn't sell loans, doesn't push credit offers, and never encourages you to borrow more. It's built to help you owe less — one month at a time.