Payoff Money App

Stop Paying Interest

Know what's coming out before it hits your account. Track every bill, every due date, and always see what's left before you spend.

Get started free See how it works
What your bank shows you
Checking account $2,400
  • Rent−$1,500
  • Car payment−$450
  • Bills & subscriptions−$272
Actually available $178
Your balance never shows the full story.

What your bank doesn't show

Your balance looks fine.
Your bills disagree.

Bills, autopay, and subscriptions have already claimed most of that balance. Quietly, before you think to check. Payoff Money makes the full picture visible so you always know what's actually left before you spend it.

Core features

Everything you need.
Nothing you don't.

All the flexibility of a custom budget tool, without any of the complexity.

Organize every due date.

Add bills that repeat monthly, biweekly, yearly, or on any custom interval. Every due date is generated automatically. Nothing falls through the cracks.

See what's left to spend.

Check off bills as you pay them and watch your balance update in real time. Switch between weekly, biweekly, and monthly views to always know where you stand.

Build budgets for loved ones.

Set up a budget for a spouse, sibling, parent, or friend. Help them get their bills in order, then step back. They'll always know what's due and what's left.

Up and running in minutes.

1

Start with what you have

Start with your account name and current balance. No bank connection required.

2

Add your bills

Name, amount, and due date. That's it. Weekly, monthly, or twice a month. We handle all frequencies.

3

See your full picture

Check off bills as you pay them. Watch your balance and forecast update automatically.

For the people you care about

Sometimes helping someone
starts with a budget.

Set up a budget for a spouse, sibling, parent, or friend. Build it together. Give them a clear view of what's due and what's left. No judgment, no complexity. Just a tool they'll actually use on their own.

Because everyone deserves to know where they stand.

Pricing

Built to save you money

Free
$0

Everything you need to get started and see exactly where your money is going. No credit card required.

  • 1 budget
  • 3 bank accounts
  • 3 loan accounts
  • Up to 15 bills
  • 3-month forecast
  • View shared budgets
Get started free
Basic
$4.99 /mo

or $39/year — save 35%

Full control, no limits. Know exactly where you stand at any moment.

  • 1 budget, no limits
  • Unlimited accounts & bills
  • Unlimited forecast range
  • Share your budget
  • Grant view or edit access
  • Edit budgets shared with you
Get Basic
Pro
$9.99 /mo

or $79/year — save 34%

One plan for the whole household. Unlimited budgets, everyone included.

  • Everything in Basic
  • Unlimited budgets
  • Share Pro with up to 4 people
  • Each member gets full access
  • Manage budgets separately
  • Up to 5 people, one plan
Start Pro
Gift
$39 /year

Give someone you love a full year of Basic. Ships to their inbox instantly.

Give Basic as a gift
Full Basic access Instant email delivery 12-month access No subscription for them One-time purchase Works for anyone

FAQ

Common questions

Everything you need to know before getting started.

Yes. The free plan includes 1 budget, 3 bank accounts, 3 loan accounts, up to 15 bills, and a 3-month forecast — no credit card required. Paid plans (Basic at $4.99/mo and Pro at $9.99/mo) unlock unlimited accounts, bills, and forecast range.
No. Payoff Money does not require a bank connection. You enter your account balance manually and track bills, income, and loans yourself. Your banking credentials stay completely private.
Weekly, biweekly, twice-monthly, monthly, quarterly, yearly, and one-time. You can also create fully custom frequencies with any interval you need — for example, every 3 weeks or every 6 months.
Payoff Money calculates a running projected balance by combining your current account balance with all upcoming bills, income, and loan payments. Nothing is stored as a fixed number — every balance is recalculated live so the forecast always reflects reality.
Yes. Payoff Money includes loan tracking with APR tiers, minimum payments, and a payoff schedule. You can link a loan to a recurring bill so your balance forecast automatically reflects debt reduction over time.
Yes. Basic and Pro plans support budget sharing with view or edit access. The Pro plan lets you share with up to 4 people and supports multiple separate budgets under one subscription — ideal for couples or families.
Payoff Money is a web app that works on any modern browser — desktop, tablet, or mobile. No app download required.
Yes. Cancel anytime — no lock-in. Your data stays accessible and you keep the free plan features after cancellation.

No questions match your search.

Start with your own budget.

Free to get started. No credit card required.

Build my budget