Affiliate Disclosure
Last updated: February 1, 2026
How We Earn Money
DebtPayoffTools.com earns revenue in two ways:
- Affiliate commissions — Some links to apps and services on this site are affiliate links. If you click one and make a purchase, we may earn a small commission at no extra cost to you.
- Our own products — We build Ascent, a debt payoff app for iOS. When we recommend it, we earn revenue from sales.
What This Means for You
Nothing changes about your price. Affiliate links don't add any cost to your purchase. The app or service costs exactly the same whether you use our link or not.
What This Means for Our Content
We take our editorial independence seriously:
- Affiliate relationships never influence rankings or recommendations
- We review and recommend apps that don't pay us anything (like free tools)
- We point out limitations of our own app (Ascent) alongside its strengths
- If a free tool is the best fit for someone, we say so — even though we earn nothing from it
Transparency About Ascent
Ascent is built by Waypoint Labs — the same team behind this site. We believe in being upfront about this. You'll see Ascent mentioned throughout the site because it's genuinely a good app for debt payoff. But we always present it alongside other options and let you decide what's best for your situation.
How to Identify Affiliate Links
Links that go through our /go/ path (e.g., /go/ascent/) are tracked links. External links to app stores or service websites may contain affiliate parameters.
Questions?
If you have questions about our affiliate relationships or editorial practices, contact us. We're happy to be transparent.