A journey of a thousand miles begins with a single step...

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Pro Membership

Free Pro
Mobile app access
Limited web access
Full web access: Mobile apps are great, but sometimes you really want a big screen and a keyboard. Web access gives you all the Debt Payoff Planner functionality you love from any web browser on any computer. Makes data entry a snap, allows you to print, and puts your payoff tracking right alongside other services you are using for your finances.
Full web access
Ad-free web and mobile: Free members support Debt Payoff Planner by clicking on advertisements so we can continue to provide a best in class service. If you are ready to take your commitment to being debt free to the next level then you don't want ads slowing you down. When you become a pro member you show you are serious about becoming debt free and you are rewarded with a serious ad-free Debt Payoff Planner experience.
Ad-free access
Payment charts: Free members get charts that show how their debt balance decreases over time when following the plan. Pro members additionaly get charts that detail interest accrued and the planned payment each month.
Payment charts
Payment reminders: Receive payment reminders in your email so you can stay on track and avoid late-payment penalties.
Payment reminders
APR Comparisons for credit cards: See how your APR compares to the APR reported by other users with a similar credit card name. If your APR is higher than other users, you may be able to negotiate a lower rate with your credit card company and save some money. Comparisons are limited to only the most common credit cards at this time.
APR comparisons
Amortization schedule: See how much of your loan repayments go towards principal and interest for each month.
Amortization schedule
Priority customer support: We provide customer support to all our members, free and pro. However, queries from Pro members will move to the front of the queue for faster response times.
Priority support
Unlimited debt snowflakes: Debt snowflakes allow you to plan for future one time payments (bonuses, tax returns, gifts, etc.). Experiment with multiple snowflakes to see how they impact your payoff.
Unlimited debt snowflakes
Unlimited accounts tracked: Add as many accounts as you like to get the most complete view of your plan.
Unlimited accounts tracked
Unlimited payments tracked: Track as many payments as you like.
Unlimited payments tracked
2 Month Pro Membership
$5 /mo
2 Month Pro Membership
Buy now $10 (USD)
6 Month Pro Membership
$3 /mo
6 Month Pro Membership
Buy now $18 (USD)
24 Month Pro Membership
$1 /mo
24 Month Pro Membership
Buy now $24 (USD)

Limited Time Free Bonus
We’ve partnered with personal finance coach Kelly Sjostrom to bring you this exclusive limited time bonus offer
Ditch Debt and Live Rich Starter Pack
1 hour group coaching session
5 trackers, checklists, and guides
30% off the complete course
A $237 value
Yours free when you buy a 24 month pro membership today
Hurry, only 03 left
Due to limited group coaching size, this offer expires when spots run out
To redeem your free bonus, follow the instructions in the email that you will receive after your 24 month pro membership purchase
+ Memberships do not automatically renew. You will not be charged at the end of your membership term unless you visit the website and complete the upgrade process again.
++ All payments securely processed by stripe. Using stripe means your payment information is never visible to or stored by Debt Payoff Planner.


You'll need to increase your total monthly payment in order to generate your debt payoff plan.

Increase Payment Budget

Payoff Progress




Welcome to the Debt Payoff Planner!!!

Add your first loan to get started



Monthly payment:

Payoff order:

One-time payment (snowflake)
Amount Date


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Legal Disclaimer: While we at OxbowSoft LLC strive to make the information contained in Debt Payoff Planner as timely and accurate as possible, we make no claim, promise, or guarantee about the accuracy, completeness, or adequacy of the contents of this application, and expressly disclaim liability for any errors and/or omissions that may exist in Debt Payoff Planner. Your continued use or access of this application shall be your acceptance of this legal disclaimer, the Terms of Service, and the Privacy Policy. Affiliate Disclosure: We are not affiliated with the companies mentioned in this application but we may receive advertising commissions in some cases.