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

Print Your Plan

As a Pro member you have the ability to print out a hard copy of your plan.

 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 response times.

Ad-Free Web and Mobile

Free members support Debt Payoff Planner by clicking on advertisements so we can continue to provide the best in class service. If you are ready to take your commitment to be debt-free to the next level, experience it without ads.

Full Featured Web Access

Mobile apps are great, but sometimes you 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.

Payment Reminders

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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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
TERM-2-MO
1000
2 Month Pro Membership
Buy now $10
6 Month Pro Membership
 $3 /mo
TERM-6-MO
1800
6 Month Pro Membership
Buy now $18
24 Month Pro Membership
 $1 /mo
TERM-24-MO
2400
24 Month Pro Membership
Buy now $24

+ 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.

Debt-Free

Payoff Progress

Paid
Remaining

Debts
   

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
 

Strategy

Monthly payment:
Payoff order:
One-time payment (snowflake):
 
One-time Payment Date

Pro Membership
Plans as low as $1/month

Congratulations on your commitment to becoming debt-free! Debt Payoff Planner on the web with a Pro membership gives you additional tools to strengthen your commitment and maximize your debt payoff plan.
Web browser access
Additional charts
Ad-free
Multiple one-time payments
Print your plan
Payment reminders
Priority support
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
www.stebt.com

Resources

Is Debt A Universal Constant?
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

Payments Unmanageable?

If you have more than $10k in credit card debt, you qualify for a free debt relief quote and consultation.
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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. Advertising Disclosure: We are not affiliated with the companies mentioned in this application but we may receive advertising commissions in some cases.