A journey of a thousand miles begins with a single step...
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It’s your journey. We just supply the equipment.
Print Your Plan
As a Pro member you have the ability to print out a hard copy of your plan.
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.
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 […]
Full Featured 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 […]
Receive email reminders of upcoming due dates in order to make payments on time and avoid late-fees.
Planned Payment Charting
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.
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Full featured mobile app
Limited web access
Full featured web access
Full featured 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
along side other services you are using for your finances.
Ad-free web and mobile
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.
Planned payment charts
Planned 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 due reminders
Payment due reminders:
Receive payment reminders in your email so you can stay on track and avoid late-payment penalties.
Priority customer support
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
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 credit cards only at this time.
2 Month Pro Membership
1 APR comparison
2 Month Pro Membership
6 Month Pro Membership
2 APR comparisons
6 Month Pro Membership
24 Month Pro Membership
6 APR comparisons
24 Month Pro Membership
+ 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
Using stripe means your payment information is
never visibile to or stored by Debt Payoff Planner.
Welcome to Debt Payoff Planner
Step 1: Add your first debt by clicking on in the top right
Step 2: Input information under DEBT DETAILS and click Save
Step 3: Repeat for each debt
Step 4: Follow the steps in the Payoff Plan
First month interest
Debt free on
Total of payments
Congratulations on your committment to becoming debt free. Debt Payoff Planner on the web with a
pro membership gives you additional tools to strengthen your committment and maximize your debt
Print your plan
Web browser access
APR comparisons for credit cards
First Create a Free Account
Then login on the web for upgrade details
Log in on the web for upgrade details
Getting Started Video
6 Wrong Ways to Pay Off Your Debt
5 Ways to Pay Off Debt Faster
Debt Consolidation Loans: Good or Bad?
Should I Transfer My Credit Card Balances: Benefits and Risks
Debt Snowball vs. Debt Avalanche
If you have more than $10k in credit card debt, you qualify for a free debt relief quote and consultation.
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If this app has been valuable for you, please take a moment to give us a 5-star rating. Your positive
ratings and reviews are essential for us to continue to develop new features and provide
you a best in class app. Thank you for your support.
Frequently Asked Questions
See if anybody else is having the same questions you are. If you can't find an answer, please let us know so we can update it.
Have a problem?
Get the best service from us by sending us an email. We will resolve
all issues quickly and will try to incorporate your suggestions in future releases.
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
Advertising Disclosure: We are not affiliated with the companies mentioned in this application but we may receive advertising commissions in some cases.
Payment Due Date
Payments Made Help
Note!!! This "Payments Made" feature only tracks changes to your principal and you typically will NOT enter the full amount paid to your creditor.
Each billing cycle the current balance of your debt (principal) will increase by
and will decrease by
total payment to creditor
Therefore, the amount you should enter for "Principal Paid" each cycle is:
Principal Paid = Total Paid
- Interest Accrued
- New Expenses
Press the calculator button next to the new entry field for assistance with this calculation.
Principal Paid Calculator
Enter the total amount you paid to your creditor for the previous period.
Enter the following from your statement for the previous period.
Use Payoff Plan Estimate
Principal Paid ?
Learn about Payment Reminders and other Pro features at
Use Full Keyboard Help
By default the numeric keyboard is used for number entry fields. On some phones the numeric keyboard is missing the 'decimal' key. Press this button to use the full QWERTY keyboard on the phone.
Use Full Keyboard?
Last payment made
Next payment due
Enter the additional amount you plan to pay toward your debt each month
Select allSelect none
Paid off on
Logged in as:
Weekly summary email
Payment reminder email
Warning!!! This will delete your account and your data will not be recoverable!
Create a free account and get these benefits...
Secure and backed-up online storage of your data
Access to your data from multiple devices
Change your currency symbol
Secure login prevents snoopers from seeing your data
Optional: Customized progress reports emailed weekly to help keep you on track