Snowball or avalanche
Smallest balance first for quick wins, or highest rate first to pay the least interest. See both side by side with the date and the total interest.
- Add extra payments and see the difference
- Month-by-month schedule
Pay it Off See the day you’re debt-free.
Enter your balances, rates and minimums. Pay it Off shows a month-by-month plan, compares snowball and avalanche, and tells you when the last one is gone. You type the numbers in, so there’s never a bank login.
Pay it Off pay it off
Exactly what it says: a plain plan for paying off what you owe, one debt at a time.
- 14-day free trial, then $9.99 once
- Nothing to sign up for
- Works offline
What it’s like
A plan you can actually follow
No bank connection, no upsells, no judgment.
Track your progress
Record each payment and watch the balances fall toward zero.
Private by design
Your money is your business
There’s no company server and no bank login. Your numbers never leave your device.
Stays on your device
Everything is kept in your browser on your own phone or computer. It’s never uploaded, so no one else can see your numbers.
No account
Nothing to sign up for, no password to remember, and no email address to hand over.
No AI
Nothing reads your numbers. The math is plain arithmetic you can check.
No tracking
No ads, no cookies, and nothing that follows you around the web. The app has no analytics at all; this website counts page visits privately, without cookies (details). It works offline, too.
Install
Put it on your home screen
Pay it Off runs in your web browser, so there’s no app store and nothing to download. Add it to your home screen and it opens like any other app, even without the internet.
iPhone or iPad
- Open debt-app-e2c.pages.dev in Safari.
- Tap the Share button, the square with an arrow pointing up.
- Choose Add to Home Screen, then tap Add.
On iPhone, adding it to your home screen also helps Safari keep your plans safe.
Android
- Open debt-app-e2c.pages.dev in Chrome.
- Tap the ⋮ menu in the top corner.
- Choose Install app or Add to Home screen.
Computer
- Open debt-app-e2c.pages.dev in Chrome or Edge.
- Click the install icon at the right end of the address bar.
- Pay it Off opens in its own window, and you’ll find it with your other apps.
On a Mac with Safari, choose File, then Add to Dock. Or simply bookmark it. It works in any modern browser.
Each phone or computer keeps its own plans. A backup file is how you move them from one to another.
One-time purchase
$9.99, one time. No subscription.
Try it free for 14 days, then unlock it for good with one payment. No account needed.
Buy Pay it Off: $9.99, onceSecure checkout by Stripe. 30-day full refund (details). Try it free first.
Questions
Good questions, plain answers
Do I need to connect my bank?
No. You type in your balances, rates and minimum payments yourself. Nothing connects to a bank.
Is it private?
Yes. Your numbers are stored only in your browser, on your own phone or computer. They’re never uploaded anywhere. There’s no account and no advertising, and the app has no analytics, so there’s no one to share them with.
Does it work offline?
Yes. After your first visit, Pay it Off opens and saves without an internet connection. Adding it to your home screen makes it feel just like any other app.
What happens after the free trial?
You can use everything in Pay it Off free for 14 days. After that, unlock it to keep editing. Your plans are never locked away: you can always open, export and back them up. One payment unlocks it for good on that device, and the key works on your other devices too.
What happens if I get a new phone?
Your plans live on the device you use, so they won’t move over by themselves. Before you switch, open Settings and save a backup: one file holding everything. Keep it in iCloud Drive or Google Drive, or email it to yourself.
On the new phone, open the app, go to Settings, choose Restore, and pick that file. Restoring merges with what’s already there and never erases it.
How much will it cost?
Pay it Off is $9.99, one time, with no subscription. Try it free for 14 days first. No account or card needed for the trial.
What do I need to use it?
Just a web browser: Safari on iPhone or iPad, Chrome on Android, or Chrome, Edge, Safari or Firefox on a computer. There’s nothing to download from an app store.