Add your cards and loans. Get a month-by-month payoff plan, the order to pay them in, and one small money move a day to get there faster.
Find my debt-free date →
From quiz to your first win in a few minutes.
Balance, interest rate and minimum for each card or loan. Rough numbers are fine.
Free: the order to pay them in, your date, and how much interest you'll save.
Small, practical actions that free up money and get you there faster.
Your step-by-step way out of debt.
Month by month, debt by debt. Updates when you log a payment.
Quick wins or the most money saved. We compare both for you.
Call scripts for lower rates, fee waivers, bill cuts and more.
Log extra payments and watch the date move closer.
Questions about your plan, answered plainly. No sales pitches.
We never connect to your bank and never move money.
Paying the right debt first and rolling each payoff into the next can save serious interest and months of payments. A clear date and small daily wins keep you going when motivation dips.
No app store needed. Add Paydown Pal to your phone's Home Screen or your computer's dock in a few taps: it gets its own icon, opens full-screen and sends your daily reminder.
Safari → Share → Add to Home Screen
Chrome → ⋮ menu → Install app
Safari → File → Add to Dock
Edge or Chrome → Install app
Start with a free preview of your plan. Upgrade when you're ready.
Payments by Stripe. Cancel anytime in two taps.
No. You type in your balances, rates and minimums. We never see your accounts and never move money.
No. Paydown Pal is an educational planning tool. It does the math and suggests common, practical steps, but it doesn't recommend financial products.
Snowball pays the smallest balance first for quick wins; avalanche pays the highest interest first to save the most. We show both, and you pick.
Your debt-free date, payoff order and interest saved are free. The daily money moves, payment tracking and coach are part of the $4.99/month plan.
Anytime, in two taps. Full refund within 14 days if it's not for you.