Payoff Lab
Compare card payoff schedules, promo APRs included
Your cards as they actually are go in; the month you are debt-free, and what avalanche saves over snowball, comes out.
- You give it
- Balances, APRs, promo end dates, your monthly budget
- You get back
- A month-by-month payoff schedule
- Where it runs
- Runs in your browser
What you get free
Your complete payoff schedule and debt-free date, promo cliffs included.
What it doesn't do
- Works from the numbers you enter. It does not connect to your bank or card issuer.
- A plan, not financial advice.
What it costs
$5 a month on its own, or in Statements ($9 a month or $79 a year); every paid tool for $24. It adds: PDF and CSV export of the full schedule, saved side-by-side scenarios, and promo-cliff reminders.
One subscription, one invoice — add a tool any time, prorated. Sign in and it unlocks; or paste your key once per device.
If it doesn't work
Email support@avyth.com and the person who built Payoff Lab reads it. If it fails on your file, say what the file looks like — that is usually enough to fix it.