About PayOffPlan
PayOffPlan is a simple, private tool designed to help you find the fastest, clearest route out of debt. It is a free debt payoff planner that helps you compare snowball vs avalanche strategies, estimate your debt-free date, and understand your payoff options more clearly.
I’m Andy Black, a software developer and online marketer based in the UK. I enjoy building tools that make complex decisions feel simpler and more achievable, especially when life is already stressful.
I enjoy travelling and have spent lots of time living in Bali and the Gili Islands. That experience reinforced something I value in software too: simple tools often help people make better decisions faster.
Why PayOffPlan exists
PayOffPlan was built to help people in financial difficulty find the fastest, simplest path out of debt, and to regain control over their finances. It compares the two most common debt repayment approaches, snowball and avalanche, and shows you a clear payoff timeline, interest breakdown, and estimated debt-free date.
- 100% free — no signup, no account, no email.
- Private by design — your plan data stays on your device (browser/localStorage). Nothing is stored on servers.
- Instant access — open the app and start planning right away.
- Clear summaries — quickly review your payoff plan whenever you need it.
Ready to plan your debt-free path?
Open the app and compare snowball vs avalanche in minutes.