Feel better. Owe less.
That's The Payoff.
🎉 Early access pricing: $7/month for life
Join the waitlist now to lock in this price forever
The only debt app that cares how you feel AND helps you get free.
Every day, one simple question: "How do you feel today?" Track your emotional journey alongside the numbers. No other debt app does this.
Manual entry or bank sync—you decide. Your password stays with YOUR bank. Works with every bank, everywhere.
See exactly when you'll be debt-free. Not "maybe someday." An actual date. Then watch it get closer with every payment.
$9/month (40% cheaper than YNAB). Lock in $7/month for life by joining the waitlist now.
Avalanche for speed, Snowball for motivation, or let us pick the best path for you.
Manual entry means it works with ANY Canadian bank. No "unsupported institution" errors.
Get started in less than 5 minutes.
Credit cards, student loans, car payments—add them in 30 seconds. Enter manually or sync your bank.
One tap. 3 seconds. "How do you feel today?" Track the emotional journey, not just the financial one.
Every payment you make moves your freedom date closer. See progress. Feel hope. Stay motivated.
Be the first to try the only debt app that asks how you feel. Lock in $7/month for life.
Because debt isn't just about numbers. It's about anxiety, shame, stress, and hope. Tracking how you feel helps you see patterns, understand triggers, and find peace. No other debt app does this—but it's what makes the biggest difference.
Nope. You can track everything manually in 30 seconds or less. Secure bank syncing will be optional for those who want automation—but manual entry means it works with ANY bank, anywhere, without connection failures.
$7/month for life if you join the waitlist now (beta pricing). $9/month or $79/year after launch. That's 40% cheaper than YNAB ($14.99/month). There will be a generous free tier during beta.
Your data is yours. Period. If you choose manual entry, we never see your bank credentials. If you choose bank sync (optional), we use bank-level encryption and never store your password. You can export or delete your data anytime.
Beta launches in 6 weeks. We're inviting waitlist members in small waves. Join now to be first in line.
At launch: USD and CAD with localized settings. More currencies coming based on demand. Manual entry works everywhere, regardless of currency.
