Payday Payoff

Debt payoff, planned around your paydays

Where does it all go every payday?

Now you'll know. Payday Payoff turns each paycheck into a plan: what to pay, what's left to live on, and the exact date you'll be debt-free.

Try the free demo Get it — R149 once
The payday screen: everything due before the next payday, where the extra goes, and what's left to live on
The debt-free screen showing the payoff date

It's the 3rd, and your paycheck is already spoken for.

Rent went off. Then the car, then the card minimum you nearly forgot.
A Pay-in-4 hits on Friday. You didn't plan for it, because nothing shows them together.
You pay what you can. Next month the balance looks exactly the same.

Your bank app shows what you spent. Nothing shows what to pay.

How it works

Three minutes to set up. Then it runs every payday.

Choosing how often you get paid

01 Tell it when you get paid

Weekly, fortnightly, monthly, or two dates like the 15th and the last day. Weekend paydays move to the Friday.

The debts screen

02 Add debts, bills & pay-later plans

Cards, store accounts, loans, rent, electricity, and every Pay-in-3 or Pay-in-4 you're still paying off.

The payday plan

03 Follow your payday plan

What's due before your next payday, where the extra goes, what's left. Tap paid — the date moves closer.

The moment it clicks

An extra R1,500 a month on the same debts:

5months sooner
R2,609less interest
1 tapto try it before you commit

Real output from the app's own calculator on the example household (R58,516 across a store card, credit card, personal loan and two pay-later plans). Your numbers will be your own.

What's inside

Built for how people actually get paid.

Your real paydays

Weekly, fortnightly, monthly, or two fixed dates. Weekend paydays shift to Friday.

Pay-in-3 & Pay-in-4

Add a plan in ten seconds. Every instalment lands on the payday that has to cover it.

Bills and debts together

Rent and electricity sit next to your minimums, so "what's left" is the truth.

Interest that counts

Balances grow like they really do. Update from your statement whenever you like.

Short this payday?

Pay less extra once. Nothing doubles next month — the date just tells you the truth.

Snowball or avalanche

Compare both on your own numbers, or set your own order. Switch whenever.

Unlimited debts

No cap at four. No monthly fee. No upsell hiding the useful part.

Yours to keep

Back it up to a file, export your payments, and it works with no signal at all.

Why it isn't creepy

We don't want your bank password.
We couldn't see your numbers if we tried.

  • No bank login, ever. You type your own numbers, like a calculator.
  • Your data stays on your phone. It isn't uploaded, sold or shared.
  • No password to steal. We keep your email so we can help you, nothing more.
  • Works in airplane mode. Add it to your home screen and it opens like an app.
The unlock screen: name, email and your code

One payment. No subscription.

R149 once-off
  • Works on 3 devices
  • Free updates
  • Instant delivery, set up in 3 minutes
  • 14 days: message us and we'll fix it or refund you
Get Payday Payoff Try the free demo first

South African price, paid by card in rand.

Not in South Africa? See the international price

Questions people actually ask

Straight answers.

Is this an app from the App Store?

No, and that's on purpose. You open a link, tap "Add to Home Screen", and it gets an icon and works offline like any app — without app store accounts, updates or fees.

Do I have to connect my bank?

Never. You type in your balances and tick payments as you make them. Nothing is connected to any account, and nothing is taken from your money.

What if my payday isn't the same every month?

Choose weekly, fortnightly, monthly, or two dates a month (the 15th and the last day, the 7th and the 21st — whatever yours are). Weekend paydays can move to the Friday before.

Does it handle Pay-in-3 and Pay-in-4?

Yes. Add the purchase once and every instalment is scheduled onto the payday that has to cover it, alongside your bills and minimums.

What happens if I can't pay the extra one month?

Tap "Short this payday", set a smaller amount, and only that payday changes. Nothing gets doubled later and your debt-free date updates honestly.

Is this financial advice?

No. It's a planning calculator that works with the numbers you enter, and the results are estimates. For advice about your situation, speak to a qualified adviser or a registered debt counsellor.

Get Payday Payoff — R149