Payoff vs Payoff Dots

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.

Payoff Dots makes paying down debt feel visible and achievable. Add your balances, record updates, and watch each payment fill your payoff dots. The dashboard brings every active debt together while individual pages show exactly how far each balance has moved. FEATURES • Visual payoff dots for every debt • $100 dots for balances up to $25,000 and $1,000 dots above that • Overall and individual progress tracking • Quick balance check-ins • Archive completed or paused debts without deleting them • Discreet widgets that never show dollar amounts • Small, medium, and large widget layouts • Light and dark appearances designed for iPhone and iPad • Private iCloud sync across iPhone and iPad • No separate Payoff Dots account required FREE AND PRO The free version supports up to two active debts. Payoff Dots Pro is a one-time purchase that unlocks unlimited active debts. There is no subscription and no advertising. PRIVACY Your debt information is stored on your devices and in your private iCloud database for syncing. Waypoint Labs LLC does not operate a separate debt-data server. Payoff Dots does not include advertising, third-party analytics, or tracking. Payoff Dots is a tracking tool and does not provide financial, lending, tax, or investment advice.