Card Payoff

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We read every message.

Common questions

Why does my statement differ from the app?
The app works in whole months: interest each month is balance × APR ÷ 12. Your issuer may differ because of: daily interest (many cards charge interest every day on the daily balance); the length of your billing cycle; the day your payment actually arrives; fees, such as late or annual fees; or new purchases and cash advances added to the balance. Small differences are normal, and the app is an estimate.

How do I set my card's minimum payment rule?
Your statement and card agreement say how the minimum is worked out, for example a percentage of the balance plus the month's interest, with a fixed lowest amount. Enter the same rule for the card in the app. If the rule is wrong, the minimum payment trap result will be off.

What is the minimum payment trap?
It shows how long a card takes to pay off, and how much interest it costs, if you only ever pay the minimum.

How is it calculated?
Interest each month is balance × APR ÷ 12, the method US card issuers use for the minimum payment warning on statements (Regulation Z, Appendix M1). In the app, "How this is calculated" links to the Consumer Financial Protection Bureau's Regulation Z page at consumerfinance.gov.

I bought Pro but it isn't unlocked.
Open More and tap Restore purchases, signed in with the Apple Account or Google account you paid with.

How do I redeem a code?
See Promo codes for the codes we are running and the steps to redeem them in the App Store or Google Play.

How do I cancel a subscription or get a refund?
Subscriptions and refunds go through Apple or Google. On iPhone: Settings, your name, Subscriptions; refunds at reportaproblem.apple.com. On Android: Play Store, your profile, Payments and subscriptions; see Google Play's refund help.

How do I delete my data?
Everything you enter is stored only on your phone, so deleting the app deletes it. To ask us to delete the purchase and usage records kept for the app, email us the anonymous purchase ID shown in the app under More.

Is my information safe?
Your balances, rates and payments never leave your phone. See the Privacy Policy.

The app gives estimates, not financial advice.