Pay Off Debt with a Personalized Plan

Add all accounts you’d like to pay off, define your monthly payoff budget, select a strategy and get a personalized payoff schedule.

Start your 7-day trial

or scan QR to install
QR

Let us show you the way to a debt-free future

Nobody is perfect, and many people have debts to pay off. The question is, "Do you have a plan?" Choose a strategy and get out of debt with a suitable repayment plan integrated into your budget.

Include all details

Enter your APR, minimum payment, forbearance period, and promotion rate to customize your plan.

Define payoff budget

Analyze your available money and ensure you have enough to cover at least all of your minimum payments.

Choose a strategy

Select between two main strategies whether you want to see results quickly or pay less in interest.

Payment prioritization

We’ll prioritize your debt payments based on the payoff strategy to ensure you stay on track.

Payoff schedule

Get your own debt payoff schedule to see how many payment cycles are left until your debt-free date.

Play with numbers in real time

Adjust the payoff budget to see how your strategy changes. Apply a new budget to become debt-free faster.

Try our FREE Debt Payoff calculators
(no account or sign-up required)

Wondering how long it'll actually take to get out of debt — or how much interest you're quietly hemorrhaging every month? Plug your numbers into our free snowball and avalanche debt payoff calculators and find out in seconds. You can compare both strategies side by side, mess around with different monthly payment amounts, and see exactly how an extra $50 or $100 a month changes your payoff date. No sign-up, no credit card, no catch — just a straightforward look at where you stand and what it'll take to get to zero.

Over 1 million customers paid off their debts with our personalized planner

See your debt-free date upfront

Enter your balances and budget, and PocketGuard instantly shows you exactly when you'll be debt-free — so the finish line is visible from day one.

One plan for all your debts

Add every account in one place — credit cards, loans, and more. No more juggling spreadsheets or losing track of which debt to tackle next.

Adjust on the fly

Got an extra $50 this month? Slide the budget up and watch your payoff date move closer in real time. Full control, zero math required.

Built into your budget

Your debt payments aren't separate from your budget — they're part of it. PocketGuard makes sure your repayments are always realistic and affordable.

Never lose track of progress

Your payoff schedule updates automatically as you make payments, so you always know exactly where you stand and what comes next.

Handles the complexity for you

APR, minimum payments, promotional rates, forbearance periods — just enter the details once and let PocketGuard do the calculating.

Having four different kinds of debt, I was completely unsure about how to go about clearing the debts. With the help of PocketGuard's Debt Payoff Plan, I was able to visualize how to go about clearing my debt, including which one to clear first, the amount to pay, and when. That date on the screen was the motivation I didn't know I needed.

Jessica M.

I love that I can adjust my monthly budget and instantly see how it changes my payoff timeline. Threw an extra $150 at it last month and shaved off three months. Game changer for staying motivated.

Derek T.

Finally a plan that's built around what I can actually afford. It pulled in all my accounts, I picked the avalanche strategy, and it just… figured everything out. I've been debt-free for two months now, and it started right here.

Rachel S.

PocketGuard app review

  • logo App Store App Store 4,6
  • logo Google Play Google Play 100K+ Downloads

“PocketGuard is highly automated, which means it requires less time and effort than many competing apps do. You'll be able to set up your account in just a few clicks.”

“The app’s easy-to-use interface, accessible pricing structure, spending alerts and recommendations make it excellent for improving your finances. That’s why it earned a spot on Forbes Advisors’ Best Budgeting Apps.”

Debt Payoff Planner FAQ

What is a debt payoff plan exactly?

A debt payoff plan is a debt repayment schedule that details what, how much, and when to pay off each debt until the balances are eliminated. It is designed with your monthly budget and a selected strategy and becomes a predictable repayment process instead of a guess.

How is a debt payoff plan different from a calculator?

Using a calculator, you can get numbers: totals, dates, interest. However, a complete debt payoff plan goes beyond that – it prioritizes your accounts, fits them into your budget, and provides you with monthly tracking. One is a snapshot, the other is a system that is on-going.

Which debt payoff strategy should I choose – snowball or avalanche?

If you need motivation and early successes, select snowball, which will remove the smallest balances first. If it is important to minimise total interest they are paying, then choose avalanche, which will pay off the highest APR first. Both work; the one you will stick with is the best.

How much should I put toward a debt payoff plan?

That's starting with paying off all minimum payments, which is a no-brainer. Then add any money that is left over in your budget. Make an extra payment on the debt with the highest interest rate, cut unneeded expenses, and don't add on new debt – even a little extra here and there can have a significant impact on your time frame. PocketGuard displays the effect of every budget change as they go.

What happens if I miss a payment or can pay less this month?

In either case, your payoff date gets further away and the amount of interest you pay rises. Avoid penalties and harm a credit score by simply making the minimum payment. Your repayment schedule will also automatically be updated in PocketGuard, and you get to adjust your budget without having to start all over again.

What is the 50/30/20 rule for debt?

The 50/30/20 rule divides your net income into 3 categories – 50% goes to your needs, 30% to your wants, and 20% to your savings and debt. That 20% is the place to make some solid advancement – hopefully more than just the minimum payment due on your most critical balance.

Try it free for 7 days

What’s included:

Regular updates, new features, connectivity improvements!

  • Personalized debt payoff plan
  • Choose snowball or avalanche strategy
  • See your exact debt-free date
  • Adjust your budget and watch the date move in real time
  • Payment prioritization across all accounts
  • Plus budgeting, subscription tracking, savings goals and more

Free Trial

Monthly

Annual

 

7 Days Free

$0 Try all premium features free for 7 days. No commitment.

PocketGuard Plus

$12.99/month

Billed monthly

All prices in US Dollars

PocketGuard Plus

$6.25/monthSave 52%

Billed $74.99 yearly

All prices in US Dollars

Improve your life using budgeting

PocketGuard is an all-in-one platform that brings together everything you need to optimize your finances. Join thousands of families using PocketGuard to achieve financial peace and security.

    Please fill in the form, so our team could reach back to you

    Your request has been sent successfully.

    Our team will get back to you as soon as possible.

    Ok