Watch your debt-free date get closer every time you pay.

PayoffWins is a debt-payoff tracker that turns each payment into a shareable win — snowball or avalanche, no bank link required.

Start free Try it, no signup →

Built for one person paying off their own debt — not budgeting suites, not team dashboards.

How it works

1. Add your debts — balance, interest rate, due day. No bank link.
2. Log each payment in two taps — regular or extra.
3. Unlock a shareable win card at every milestone.

No catches

• No bank link required — ever.
• No credit card required to start.
• Your debts are private to you.
• No shaming — just your next win.

No catches, no shame

Frequently asked questions

• Is it free? Yes — free to start; Pro unlocks unlimited debts.
• Do you link to my bank? No, never.
• Do you require an account to try it? No — try without an account.
• Snowball or avalanche? Both are supported.

Get started free →