Help, in plain words.

It answers one question every payday: what do I pay, and what’s left?

You tell it when you get paid, what you owe and what your bills are. Every payday it lists everything due before your next payday, decides where any extra money should go, and shows the date you’ll be debt-free.

Yes. The free demo opens the app with a made-up family’s plan already in it: their paydays, their debts, Penny’s answers and their debt-free date. Tap around as much as you like. It has its own address and saves nothing, so it never touches your own plan.

When you’re ready, buy once for $12 and your code unlocks the app for your own numbers.

After you buy, Payhip emails your unlock code, usually within a minute. It looks like PP-XXXX-XXXX-XX.

Open the app at payday-payoff.pages.dev/app and choose Sign in. Type the email you used at checkout and your code. One code works on three devices.

It gives you an app icon, opens full-screen, works without internet, and stops iPhones clearing your numbers after a week of not opening it.

iPhone (Safari): tap the Share button (the square with an arrow), scroll and tap Add to Home Screen, then Add.

Android (Chrome): tap the ⋮ menu, then Add to Home screen or Install app.

From then on, open Payday Payoff from the new icon.

A few minutes and your latest statements. You’ll enter how often you’re paid and your take-home pay, then each debt (balance, interest rate, minimum and due day), your monthly bills and any pay-later plans.

Rather not fill in forms? Type it all as one sentence with Quick add and Penny sorts it into the right places.

Open the Payday tab. It lists everything due before your next payday: bills, minimums and pay-later installments, in date order, plus the extra going to one debt and what’s left for you to live on.

Pay them the way you always do, then tick each one off. It takes about a minute.

Yes, that’s how the app knows where you are. When you’ve paid something, tap the circle next to it (or Mark all paid). Your balances drop and your debt-free date updates.

Nothing is taken from any account. You pay your lenders the way you always do; this just keeps score.

Tap Short this payday? on the Payday screen and set a smaller amount, or zero. Only that payday changes. Nothing gets doubled next time, and your debt-free date updates honestly.

Paid every two weeks, you get 26 paychecks a year instead of 24, so two months a year have a third paycheck. (Paid weekly, four months have a fifth.)

Your monthly bills were already covered by the earlier paychecks that month, so the bonus one has room to spare. The app flags it and lets you boost that payday’s extra in one tap. It’s the fastest way to knock out a debt early.

Go to More → Reminders → Add to my calendar. It downloads a calendar file with your next paydays and every payment, each with a nudge at 9am. Open it and your phone adds them to your calendar.

They live in your own calendar, so there’s no account and nothing to switch on. When your plan changes, add them again.

It’s the day your last debt gets paid off if you keep doing what you’re doing: paying the minimums, the bills and the extra amount you set.

It moves closer when you pay more and further away when you pay less, so you can see the cost of a decision before you make it. It’s worked out by playing your plan forward payday by payday, adding interest on each due date, paying the minimums, then putting the extra on one debt at a time.

A test drive. Drag the slider to a bigger (or smaller) extra amount and the app shows what would happen, without changing your plan. For example, moving $150 to $250 a payday might show “3 months sooner · $412 saved”.

Happy with it? Tap Use this as my extra and it becomes your plan. Otherwise drag it back: nothing changed.

They only decide which debt gets your extra money first. Minimums are always paid on everything.

• Snowball: smallest balance first. You clear whole debts quickly, which keeps you going. Most people should pick this.
• Avalanche: highest interest rate first. Costs the least in the end, but the first win takes longer.
• My order: your call. Use it when one debt is stressing you out, or a family member needs paying back first.

The Debt-free screen shows the finish date and total interest for each, from your real numbers. Pick the one you’ll actually stick to.

Yes. Add a pay-later plan with its installment amount and how often it comes out. Every installment lands on the payday that has to cover it, and you can see how many are left.

Yes: Debts → Quick add with Penny. Type it (or tap the mic on your keyboard and say it) like a text: “Visa $6,840 at 24.99%, min $205, due the 10th. Rent $1,450 on the 1st. Klarna stroller $420, 4 payments every 2 weeks.” Check what Penny found, then add it all in one tap.

Two reasons this happens:

• It’s paid off. Once a balance hits zero it stops appearing in future paydays. You’ll find it on the Debts screen marked Cleared.
• It’s really a monthly bill. Insurance, childcare, a phone contract or a subscription is a bill, not a debt: a debt has a balance that shrinks, a bill repeats. If you entered one month’s amount as a balance, the first payment clears it. Open it on the Debts screen and tap Move to bills.

Lenders work out interest daily; the app adds one month’s worth on the due date, so the two can differ by a few dollars.

Whenever you get a statement, open that debt, type the real balance and save. The app carries on from your number.

Your money buddy inside the app. Ask her about your plan: “Can I afford $120 this payday?”, “What if I pay $50 more?”, “When is my car loan paid off?”

Answers like these are worked out on your phone from your own numbers, so they’re instant, private and work offline. When an answer suggests a change, you can apply it with one tap.

For open questions, Penny can also use smart answers when they’re available. You switch them on yourself; your question, plan numbers and money profile (never your name or email) go to our AI provider to write the reply, and nothing is saved. Smart answers can be wrong and aren’t financial advice.

Eight quick questions from Penny: what you love spending on, what sets your spending off, how you are with money, the one thing you won’t give up, and how you like to be talked to. Find them on the Penny tab or in More → You.

Your answers give you a money type (like The Big-Hearted Giver) and a plan made for you: guilt-free fun money every payday, the one spend worth trimming, and a move for what trips you up. Penny never tells you to cut the thing you said stays. Retake it any time.

Ask “What can I spend this payday?”. She takes what’s left after this paycheck’s bills, minimums and extra, sets aside a little guilt-free fun money for what you love, and splits the rest into a daily amount for groceries, gas and everything else.

Check a statement and she’ll also find the one spend worth halving, and show what that does to your debt-free date.

On the Payday tab tap Check my statement, or the receipt button in Penny’s chat. Choose a CSV download from your bank, which is read right there on your phone. With smart answers on, you can also send a PDF or photos of your statement.

Penny ticks off the bills, minimums and pay-later payments that already came out (you confirm with one tap), lists anything due that didn’t show up, and shows where the rest of your money went. Pick Hype me or Roast me for her take.

No. Penny plans around your paychecks, bills and debts. She won’t pick investments or tell you what to buy. For that, or for serious money trouble, talk to a qualified adviser or a nonprofit credit counselor.

On your device only, in the app’s private storage. It isn’t sent to us and there’s no bank connection. We keep your email address so we can resend your code and help you. The one exception is Penny’s smart answers, and only if you use them: the question or statement you choose is read by our AI provider and not saved.

Read the privacy page for every detail.

Because your plan lives on your phone, clearing your browser data or losing the phone loses it. Now and then, go to More → Backup → Download backup and keep the file safe (email it to yourself or save it to your Drive).

On a new phone: open the app, sign in with your code, then on the first setup screen tap Moving from another phone? Restore a backup and choose that file. (Already set up? It is also in More → Backup.)

Yes. Once it’s on your home screen, it opens and works offline. Only Penny’s smart answers need a connection.

Yes. One code works on three devices: your phone, a partner’s phone, a laptop. Each device keeps its own copy of the plan. To start a second phone with the same numbers, restore your latest backup on it.

$12, once. No subscription, nothing renews, and every update is included. Checkout is by Payhip, with card or PayPal; any tax is shown before you pay.

Search your inbox, spam and promotions folders for “Payhip”. The code is in your order email. Still nothing? Write to us with the email you used at checkout and we’ll send it again.

One code works on three devices. Tell us which ones you use now and we’ll reset it.

If Payday Payoff isn’t right for you, write to us within 14 days of buying, from the email you used at checkout, and we’ll refund you in full through Payhip. The code stops working after a refund. The details are in the terms.

No. Payday Payoff is a calculator that plans around the numbers you type in. It doesn’t know your full situation, and its dates and amounts are estimates. For advice about your own circumstances, speak to a qualified adviser or a nonprofit credit counseling service. Read the full note.