Payoff AI Pro
Private on-device AI debt management with smart strategies and deep financial analysis
Take control of your debt with the power of on-device AI. Payoff AI Pro is a private, intelligent debt management app that runs AI entirely on your iPhone or iPad. No cloud. No servers. Your financial data never leaves your device.
Download on the App Store
Key Features
Discover what makes Payoff AI Pro special and how it can enhance your experience.
Smart Debt Tracking
Track credit cards, loans, balances, interest rates, due dates, and credit utilization in one dashboard
AI-Powered Strategies
Debt Snowball, Avalanche, AI Recommended multi-phase strategy, or Custom Order prioritization
Deep AI Analysis
Risk assessment, health score, interest breakdowns, accelerated payoff tables, and actionable recommendations
AI Chat Advisor
Floating chat with full access to your debts, payment history, and strategies for personalized advice
Detailed Projections
Amortization schedules, payment trends, interest vs. principal breakdowns, and debt-free date
100% Private
All AI runs on-device. Data never uploaded. Face ID/Touch ID protection
Multiple AI Models
Choose from Llama 3.2, Qwen 3, DeepSeek R1, Gemma, Phi 3.5 and more – optimized for mobile
CloudKit Sync
Sync across devices with payment reminders, PDF export, and iPad-optimized layouts
App Screenshots
Take a closer look at Payoff AI Pro and see it in action.
Debt Dashboard
AI Strategy Analysis
AI Chat Advisor
Payoff Projections
Use Cases
Here's how Payoff AI Pro can enhance your daily life and creative projects.
- 1Creating a personalized debt payoff plan
- 2Comparing Snowball vs Avalanche strategies
- 3Getting AI-powered financial advice privately
- 4Tracking multiple debts in one place
- 5Projecting debt-free timelines
- 6Analyzing interest costs and savings
- 7Managing credit card utilization
- 8Planning accelerated debt payoff
Your Privacy Matters
Like all our apps, Payoff AI Pro is designed with your privacy as the top priority. We don't collect any personal data, analytics, or usage information. Your data stays on your device, exactly where it belongs.
Learn More About Our Privacy CommitmentReady to Try Payoff AI Pro?
Download now and experience the perfect blend of functionality and privacy.
Download on the App Store