Built for people who want to get out of debt
PayoffPath exists because good debt payoff tools should not cost money, require a financial advisor, or force you to hand over your email address just to see the math.
Our mission
Give every person in debt — regardless of income or background — access to accurate, honest, and easy-to-understand tools that show them exactly how to pay off their loans faster and save thousands of dollars in interest.
Why we built this
The average American carries over $90,000 in debt across mortgages, student loans, car payments, and credit cards. Most people know they should "pay extra" or "use the avalanche method," but have no idea what that actually means in dollars and months for their specific situation.
Financial advisors can run these projections, but they charge $200–$500 per session. The free online calculators that exist are either too basic (they only handle one loan at a time), too cluttered with ads and up-sells, or buried behind email sign-up forms.
We built PayoffPath to fill that gap: a fast, honest calculator that handles multiple loans, compares payoff strategies side by side, and shows you the exact payoff date and interest saved — all in under a minute, no account required.
Today PayoffPath helps thousands of people each month plan their debt payoff. The calculator handles everything from a single credit card to a full portfolio of mortgages, student loans, auto loans, and personal loans simultaneously.
What we stand for
Math over marketing
Every number we show is calculated from your actual loan details — balance, rate, payment. No estimates, no hand-waving. If PayoffPath says you will be debt-free in 3 years and 4 months, that is what the amortization math says.
Clarity, not complexity
Debt payoff math is not actually complicated, but most tools bury it in jargon. We show you the payoff date, the interest savings, and the exact monthly payment needed — nothing more, nothing less.
Free for everyone
The core calculator is free with no account required and no credit card. We believe everyone dealing with debt deserves access to accurate payoff projections, not just people who can afford a financial advisor.
Common questions
Who built PayoffPath?
PayoffPath was built by a small team of developers who got frustrated watching friends and family make suboptimal debt decisions — not because they were bad with money, but because the tools available were either too complicated, behind a paywall, or buried in ads. We built the calculator we wished existed.
How does PayoffPath make money?
Free users see non-intrusive Google AdSense ads. Paid subscribers ($9/month Basic or $29/month Pro) get an ad-free experience plus premium features like multi-device sync, budget planning, AI recommendations, and unlimited loans. We do not sell user data.
Is my financial data safe?
For free users, all loan data stays in your browser (localStorage) — it never leaves your device. For logged-in subscribers, data is stored encrypted in our Supabase database. We never share, sell, or monetize your personal financial information. See our Privacy Policy for full details.
Are the calculations accurate?
Yes. PayoffPath uses standard amortization formulas — the same math banks use to generate your loan statements. We calculate monthly interest accrual, principal reduction, and payoff date to the day. You can cross-check any result against your lender's own amortization schedule.
How do I contact you?
For support, feature requests, or general questions, reach us at support@payoffpath.ai. We read and respond to every message, usually within one business day.
Ready to see your payoff date?
Add your loans and see exactly when you will be debt-free, how much interest you will pay, and how to accelerate the timeline. Free, no account required.