About DebtPayoffTools

DebtPayoffTools.com is built by Waypoint Labs — a small product studio focused on personal finance tools that actually help people.

Our Mission

We believe getting out of debt shouldn't require expensive software, a finance degree, or guesswork. Our goal is to give you the tools, knowledge, and honest recommendations you need to pick a strategy, build a plan, and stick with it.

What We Do

• Free calculators — compare snowball, avalanche, and other strategies with your real numbers
• Honest app reviews — we test debt payoff apps and tell you what's actually worth your time and money
• Clear guides — no jargon, no fluff, just practical information written for real people

Editorial Standards

We don't accept payment for reviews or rankings. When we recommend an app, it's because we've tested it and believe it's genuinely useful. We do earn affiliate commissions from some app links, and we're transparent about that — see our affiliate disclosure for details.

About Ascent

We also build Ascent, an iOS debt payoff app. You'll see us mention it on this site because we're proud of it — but we'll never pretend it's the only good option. If a free tool or a competitor's app is a better fit for you, we'll say so.

Get in Touch

Have a question, suggestion, or correction? We'd love to hear from you. Send us a message.