Not financial advice
Payday Payoff is a planning calculator, not financial advice. It organises the numbers you give it and shows estimates: your debt-free date, interest and amounts are projections that assume you keep to the plan.
It doesn’t know your full situation, and it isn’t legal, tax or investment advice. Penny, the assistant inside the app, works the same way. For advice about your own circumstances, or if money trouble feels serious, talk to a qualified adviser or a nonprofit credit counseling service.
What the app is
Payday Payoff is a planning tool. It turns the numbers you enter (your pay, bills, debts and pay-later plans) into a payday-by-payday plan and a projected debt-free date. It doesn’t move money or talk to your bank. Interest, fees and due dates are set by your lenders, so check important numbers with them.
Your licence
Your one-time purchase gives you a personal licence to use the full app on up to three of your own devices, including future updates. Please don’t share, sell or publish your unlock code. A code used on too many devices, shared publicly or refunded may be switched off.
Paying
Checkout is handled by Payhip, by card or PayPal. The price is shown before you pay ($12 US unless stated otherwise) and any tax is added at checkout. Your unlock code is sent to the email you used at checkout.
Refunds
If Payday Payoff isn’t right for you, contact us within 14 days of buying, with the email you used at checkout, and we’ll refund you in full through Payhip. After a refund the unlock code is switched off. This doesn’t affect any rights you have under consumer law where you live.
Penny and the smart features
Penny’s exact answers (what’s due, can I afford it, what if I pay more) are worked out on your device from your numbers. Her smart answers, statement reading and quick add from messy text are written by an AI service and can be wrong, so treat them as a helpful second opinion, not advice. Smart features have fair-use limits per licence each day and month, may sometimes be unavailable, and may change as we improve them.
Your data
Your plan lives on your device. Clearing your browser’s data or losing your phone can delete it, so use the backup in More from time to time. How we handle the little data we do receive is in our privacy policy.
Fair use
Please don’t try to get around the licence check, overload or misuse the smart features, or use the app to break the law.
Changes and availability
We keep improving the app and may change how it looks or works. We work to keep it available but can’t promise it will never be interrupted. If we change these terms, we’ll update the date at the top.
Responsibility
You decide what to pay and when. As far as the law allows, we aren’t responsible for decisions made using the app, and our total responsibility to you is limited to what you paid for it. Nothing here limits responsibility that the law doesn’t allow to be limited.
Questions
Write to us any time on the contact page, or browse the help center.