12 PowerPayoff — Unlock Credit Card Rewards With Debit Card Discipline
Now in beta

Unlock Credit Card Rewards.
With Debit Card Discipline.

Track your credit cards and checking balance in one place. Get every reward and fraud protection while making weekly payments you can actually afford. Never overextend again.

Start your 14-day trial → See how it works
14-day free trial Bank-level encryption Cancel anytime Powered by Stripe
See it in action

Every feature, live.

Smart alerts
Pay before interest hits
PowerPayoff
powerpayoff.com
Yesterday
PowerPayoff: Good morning. CC total: $580 Checking: $1,240 All clear — no statements closing soon.
Yesterday 9:41 AM
Today
PowerPayoff: Good morning. CC total: $650 ($400 Citi + $250 WF) Checking: $750 Stay at $0 interest →
Today 9:41 AM
iMessage
Daily refresh
What you can actually spend
MON
Monday
Checking
BofA
$2,000
credit cards
$400
Chase Sapphire
Closes in 3 days
Pay $400
$400
Amex Gold
No balance
$0
Citi Double
No balance
$0
Credit health
Balances trending toward zero
Statement balance risk
Loading…
Chase Sapphire
Amex Gold
Citi Double
Paying in full this week → score boost incoming
Debt Detonator
Built to hit zero
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
Minimum payment path 47 months
Interest you'd owe $4,830
PowerPayoff
PRO
Ready to detonate?
PowerPayoff helps you eliminate your highest-interest debt first, saving you the most money.
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 saved
PowerPayoff
PRO
Debt eliminated!
You followed the Debt Detonator plan
$4,830
Interest saved vs. minimum payments
34 months
Faster than the minimum payment path
$0.00
Balance remaining across all cards
$1,000+
average interest paid per cardholder per year
$0
interest paid by PowerPayoff users
2 min
to connect your cards and checking accounts
How it works

The power of credit.
The discipline of debit.

Connect your credit cards and checking accounts once. PowerPayoff gives you rewards + protections while keeping you firmly in control with real visibility and weekly payments.

01 / 04
🔐

Create your account

Sign up in under two minutes.

02 / 04
🔗

Connect everything

Link all your credit cards and checking accounts via Stripe Financial Connections. See your true financial picture in one dashboard.

03 / 04
📡

Daily visibility

We refresh balances daily so you always know exactly what you can afford before you spend.

04 / 04
🔔

Smart weekly payments

Get timely alerts. Make weekly payments you can actually cover. Capture every reward while staying debt-free.

Features

Credit power.
Debit discipline.

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

💳

All cards + checking in one view

See your credit spending and actual available cash together so you never overextend.

📊

Transaction-based estimates

See cached balances updated with recent spending so you can judge what you can afford before you swipe.

🛡️

Rewards + Fraud Protection

Keep all the upside of credit cards (cash back, buyer protection, extended warranties) with none of the risk.

📱

Smart payment alerts

Weekly reminders with exact amounts you can comfortably pay from your checking balance.

💣

Debt Detonator

Already carrying a balance? The avalanche and snowball optimizer builds a personalized paydown plan.

🔒

Bank-grade security

Powered by Stripe Financial Connections. Credentials never stored. AES-256 encryption.

Pricing

Simple. Transparent. Cancel anytime.

Lite
$3.99
per month
  • 3 connected accounts
  • Monthly balance refresh
  • Transaction-based estimates
  • Statement close SMS alerts
  • Cards, checking, or savings
  • Insights tab
  • Debt Detonator payoff planner
  • More than 3 accounts
Try Lite free →

Cancel anytime · All plans include bank-level encryption

Stay in the loop

Not ready to connect?

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FAQ

Questions, answered.

Is my banking data actually safe?
Yes. PowerPayoff uses Stripe Financial Connections for secure account linking. Your bank credentials are never shared with or stored by PowerPayoff. All data is encrypted with AES-256 in transit and at rest.
How is this different from Mint or my bank's app?
Your bank shows you one card. Mint shows you everything but doesn't alert you at the right moment. PowerPayoff is built around one job: making sure you pay in full before interest hits — across every card you own.
What if I already carry a balance?
The Debt Detonator feature in every plan builds a personalized payoff plan using avalanche or snowball methods. PowerPayoff helps you stop digging the hole so you can finally fill it in.
Which credit cards are supported?
Any credit card, checking account, or savings account supported by Stripe Financial Connections in the US.
Can I cancel anytime?
Absolutely. No contracts, no cancellation fees. You can cancel entirely at any time from your account settings.