Now in Early Access

Use credit cards.
Not credit card debt.

PowerPayoff is not another budgeting app. Keep the rewards and protections that make credit cards worth using — while staying fiercely ahead of balances.

The power of credit. The discipline of debit.

Choose your plan → See how it works
See it in action

Credit card rewards are great.
Credit card surprises aren't.

PowerPayoff turns scattered balances, transactions, and dates into a clearer picture of what you owe — and what you may want to do next.

Email Reminders
Know what's coming up
See upcoming statement closes, payment due dates, tracked balances, and connected cash without checking every account one by one.
Your Dashboard
See cash and credit side by side
Instead of looking at your checking account and thinking, “I've got plenty,” see how it compares with what you owe across your connected credit accounts.
MON
Good morning
Your daily snapshot
Updated now
Monday
Checking
BofA
$2,000
credit cards
$400
Pro Insights
See where pressure is building
Explore spending distribution, balance history, utilization, and potential interest exposure across your connected credit accounts.
Insights
Credit Insights
Live
Statement balance risk
Loading…
—
Paying in full this week → avoiding interest charges
Debt Detonator
Turn balances into a payoff plan
Adjust how much you want to pay and how often, then see how those choices could change your estimated payoff date and interest.
PowerPayoff
PRO
Debt Detonator
Avalanche method · highest APR first
Capital One Venture
26.9% APR · Target #1
$5,450
Citi Double Cash
22.4% APR · Target #2
$2,850
Chase Sapphire
19.9% APR · Target #3
$4,200
Total debt $12,500
Estimated minimum-payment baseline 47 months
Estimated interest $4,830
PowerPayoff
PRO
Ready to detonate?
PowerPayoff can model a highest-interest-first payoff order and estimate how it may affect interest.
Detonate
PowerPayoff
PRO
Detonating...
Capital One (26.9%)
Capital One Venture
$5,450
Citi Double Cash
$2,850
Chase Sapphire
$4,200
0
months elapsed
$0
interest savings
PowerPayoff
PRO
Debt eliminated!
You followed the Debt Detonator plan
$4,830
Estimated interest savings vs. minimum payments
34 months
Faster than the estimated minimum-payment baseline
$0.00
Balance remaining across all cards
45%
of cardholders carried a balance last year
It happens faster than you think.
22%+
average rate on cards charged interest
Small balances can get expensive fast.
$1.26T
in U.S. credit card balances
Using credit is easy. Staying ahead is harder.

Credit cards aren't the problem.

Losing track of what you've already spent is.

PowerPayoff keeps your balances, connected cash, and the dates that matter in view — before small oversights have a chance to become expensive ones.

Connected through Stripe

We support the largest banks in America.

PowerPayoff works with 4,600+ U.S. banks, credit unions, and card issuers available through Stripe Financial Connections.

Built for individuals in the U.S. today. Connect accounts at supported U.S. financial institutions, with support for more countries planned for the future.

Chase
American Express
Bank of America
Capital One
Citibank
Wells Fargo
U.S. Bank
Discover
PNC Bank
Navy Federal

Institution availability is provided by Stripe and can change. A listed institution may not support every account type or data feature. PowerPayoff is not affiliated with or endorsed by the institutions shown.

How it works

The power of credit.
The discipline of debit.

Connect the accounts you use, confirm the numbers your institutions show, and let PowerPayoff keep the balances and dates that matter in view.

01 / 04
👤

Create your account

Choose the plan that fits the number of accounts you want to track and create your PowerPayoff account.

02 / 04
🔗

Connect your accounts

Link supported credit cards, lines of credit, checking accounts, and savings accounts through Stripe Financial Connections.

03 / 04
✅

Confirm where you stand

Add your APR, credit limit, statement-close day, and payment-due day. PowerPayoff uses that to keep your balances updated.

04 / 04
🧭

What to do next

See what's owed, what your connected cash can cover, what's coming due, and how different payoff choices could play out.

Features

Less guessing.
Better credit decisions.

Everything you need to enjoy credit card rewards without ever losing control.

⚖️

See what you can actually cover

See connected cash alongside tracked credit balances, including an Available Cash comparison, so the money you've already spent on credit stays visible.

📍

Start from a balance you trust

Confirm the current posted balance you see at your institution, and PowerPayoff uses later posted transactions to maintain an updated estimate.

🛡️

Rewards + Fraud Protection

Keep all the upside of credit cards (cash back, buyer protection, extended warranties) while avoiding the risk.

📅

Stay ahead of dates that matter

Due dates shouldn't sneak up on you. Keep upcoming dates visible and receive weekly snapshots that help bring the next dates to your attention.

💥

Debt Detonator

Debt feels different when you see a path to zero. Debt Detonator lets you immediately see an estimated payoff timeline, payoff month, and interest.

🔒

You stay in control

PowerPayoff doesn't initiate payments, transfers, or autopay from your linked accounts. You complete payments directly with your financial institution.

Try the interactive demo →
Pricing

Stay on top of your cards.
Or see the whole picture.

Both plans give you the core PowerPayoff experience. Pro gives you the deeper insights and payoff tools to do more with it.

Lite

$11.99
per month

The essentials for keeping your credit spending in view.

Great if you have a simple setup and mostly want one place to see what you owe and what your connected cash can cover.

  • Connect up to 3 accounts
  • Track up to 2 credit accounts in detail
  • See connected cash vs. tracked debt
  • Keep statement closes and due dates visible
  • Confirm balances and track posted activity
  • Get optional weekly snapshots
  • Explore Debt Detonator for one eligible balance
  • Preview Pro Insights with sample data
Choose Lite — $11.99/mo →

Cancel anytime.

★ Most popular

Pro

$14.99
per month

The complete PowerPayoff experience.

See the full picture, understand what's costing you, and compare smarter ways to get every balance moving toward zero.

Just $3 more than Lite.

Everything in Lite, plus:

  • Connect up to 10 accountsSee more of your financial picture in one place.
  • Unlock live Pro InsightsSee utilization, spending by credit account, estimated balance trends, and potential interest exposure using your own connected data.
  • Use Debt Detonator across all eligible balancesSee how different payment amounts could affect payoff time and estimated interest account by account.
  • Compare avalanche vs. snowballSee which balances each strategy tackles first and compare their estimated payoff paths.
  • See all your connected credit accounts in detailNo two-credit-account visibility limit.

For $3 more, you don't just track your cards. You get the tools to understand them — and build a smarter path forward.

Get PowerPayoff Pro — $14.99/mo →

Best value · Cancel anytime

Stay in the loop

Not ready to connect yet?

Drop your email and we'll send you a note when we launch new features. No spam, ever.

No spam. Unsubscribe anytime.

FAQ

Questions, answered.

Does PowerPayoff make payments or move money from my accounts?

It does not. PowerPayoff helps you understand your balances and explore what to pay, but you stay in control of every payment.

When you're ready, you complete the payment directly with your bank or card issuer. PowerPayoff does not initiate transfers, schedule bank payments, or set up autopay from your connected financial accounts.

If my accounts are connected, why do I confirm my balance?

Because we'd rather ask you for a number you can verify than pretend an estimate is authoritative.

PowerPayoff's current connection uses transaction activity rather than your institution's live balance feed.

You confirm the current posted balance shown by your institution once to create a trusted starting point. PowerPayoff then applies later posted activity to maintain an updated estimate.

You can compare that estimate with your institution and correct it whenever needed.

How is PowerPayoff different from my bank app or a budgeting app?

Your bank app is great at showing what's happening inside that institution.

Traditional budgeting tools are often designed to categorize where your money went.

PowerPayoff is built around a different question:

“Given my connected cash, my credit balances, and what's coming up next — what deserves my attention?”

It brings credit balances, connected cash, upcoming statement closes and due dates, utilization, spending insights, and payoff planning into one credit-focused view.

What if I already carry credit card debt?

That's exactly what Debt Detonator is for.

Enter or confirm your balance and APR, choose how much you could put toward it, and see an estimated payoff timeline and interest based on that scenario.

Pro users with multiple active balances can also compare avalanche — highest APR first — with snowball — smallest balance first.

These are planning estimates, not issuer payment instructions or guarantees.

Is my financial information safe?

PowerPayoff connects financial accounts through Stripe Financial Connections.

Your bank sign-in is handled outside PowerPayoff, and PowerPayoff does not receive or store your bank username or password.

The current connection requests transaction access, not linked-account money-movement access.

PowerPayoff also does not store full bank account numbers, routing numbers, or full payment-card details used for your subscription.

No online service can promise zero risk, so we prefer to be clear about exactly what PowerPayoff can — and cannot — access.