Add your debts once — balance, interest rate, minimum payment. Takes two minutes. Then we put them in the order that gets you free fastest, and tell you exactly what to send where this month.
Every plan ends on a specific date. Not "someday." Not "eventually." A Tuesday. We show you which one, and how every extra dollar moves it closer.
Two people with the same debts can finish years apart. The trick isn't paying more — it's paying the right card first. We rebuild the sequence whenever a rate changes or a balance moves.
Ask anything about your plan. Your coach has the debts you entered — balances, rates, minimums — and answers with the actual math, in dollars, for your situation. Not a generic thread from five years ago.
One plan finds the order. One plan does the math every month. Pick the one that fits your situation — cancel any time.
For trying it out on a couple of balances. No card required.
For most people. The full plan with a coach you can ask.
For people who want to talk through every decision.
Still wondering something? Email support@payoffedge.com and a person — not a bot — will answer within a day.