Cloud-saved with a local cachePlans sync to your account and remain cached in the browser.
Turn debt into freedom—faster.
The Debt Payoff Planner helps you compare multiple payoff strategies, track real progress, and adjust your plan as life changes.
- Compare payoff strategies side by side
- Follow a monthly payment plan and record actual payments
- Set payoff goals, test what-if changes, and model refinancing scenarios
- Synchronize saved plans securely across supported devices
Start your 7-day free trial
Open the planner
No credit card required · Then $9.99/month or $79.99/year
Flexible planningCompare five payoff approaches, goals, what-if changes, and modeled scenarios.
Act, track, and adaptRecord payments and balances, compare Actual progress with the Plan, and see an automatically updated Current projection.
Export and back upPaid subscribers can export Print/PDF reports, spreadsheets, calendar reminders, and encrypted backups.
Everything you need in one place
What’s included
Multiple plans
Create and manage multiple debt payoff plans after signing in. Duplicate, rename, switch between, or delete them from the planner.
Strategy comparison
Compare fixed-payment, snowball, avalanche, custom-order, and extra-payment schedules using the same debts and assumptions.
Scenario modeling
Model balance transfers and consolidation loans without changing the payoff plan you are tracking.
Track progress
Record individual payments and monthly balances, let the latest valid Progress check-in update your Current projection automatically, and use Plan Setup whenever you want to change the Active Plan itself.
Milestones and reminders
Create personal milestones, track payoff milestones, and use optional browser or email reminders plus downloadable calendar reminders.
Secure and portable
Keep a local browser cache of your cloud-synced plan and import debt CSV files. Active paid subscribers can also export reports, spreadsheets, calendar reminders, and password-encrypted backups.
Designed around your decisions
A focused planner that keeps you in control
Enter only the information your plan needs, explore your options, and update your progress on your schedule.
Plan, compare, and track
- Compare payoff strategies, custom priorities, goals, and timelines
- Follow monthly payment allocations and record actual payments
- Model scheduled APR changes, balance transfers, and consolidation scenarios
- Track actual balances, progress analytics, and plan revisions
- Paid subscription exports for reports, spreadsheets, calendar reminders, and encrypted backups
- Synchronize account plans while retaining a local browser cache
Clear by design
- Manual entry keeps your bank and creditor accounts disconnected
- Your Active Plan changes only when you explicitly save new Plan assumptions
- No credit pulls, approval predictions, or lender promotions
- Projections are planning estimates rather than guaranteed outcomes
- Use the planner alongside professional advice when your situation calls for it
Simple pricing
Try the Planner free for 7 days
No credit card is required for the trial. Use the interactive Planner for seven days; exports are included after you subscribe. Continue afterward with monthly or annual access.
Your paid subscription includes secure account access, cloud-saved plans, monthly payment tracking, progress and plan history, scenario tools, reminders, exports, access across supported devices, and ongoing product updates.
Secure subscription checkout and billing through Stripe Managed Payments
Monthly
.99
USD per month · applicable tax added at checkout
Annual: $79.99 USD per year
Save $39.89 compared with monthly billing
Start your 7-day free trial
Common questions
Frequently asked questions
How does the 7-day free trial work?
Your one-time trial starts when your verified account first opens the Planner. No credit card is required and there is no automatic charge when the trial ends. Interactive Planner features are available during the trial, while exports require an active paid subscription. If you do not subscribe, Planner access locks after seven days and your saved Planner data remains stored so it can return if you subscribe later.
Is my plan data private?
Your saved plans are tied to your account and protected so they are available only to the signed-in account. A local browser cache supports faster loading and temporary offline use. Financial plan values are not sent to Google Analytics.
Which payoff methods can I compare?
The planner compares fixed-payment, debt snowball, debt avalanche, custom-order, and extra-payment plans using the same starting balances and assumptions.
Does it connect to my bank accounts?
No. You enter and update your plan directly. The planner does not connect to banks, sync transactions, pull a credit report, or submit lender applications.
What happens if I clear browser data?
Clearing site data removes the browser cache, but it does not by itself delete cloud plans. Sign in again to restore plans your current account access permits. Downloadable backups are an active paid-subscription feature.
Can I move a plan to another device?
Yes. Sign in with the same account to load cloud-saved plans on another supported device when your account has Planner access. Active paid subscribers can also export a plain or password-encrypted .dohplan backup for independent portability.
How will I manage or cancel billing?
Manage payment methods, invoices, and cancellation through Stripe-hosted billing tools and, where available for the transaction, Link. A cancellation scheduled for period end keeps access active through the paid period.
Have a question?
Contact support before purchasing or while setting up your planner.
Contact support