PowerPay
Verified working Sep 20, 2026
A free debt-payoff planner that turns balances into a repayment schedule.
PowerPay is a web-based debt reduction planner from Utah State University Extension. Users enter debts, interest rates, and payments to generate a structured payoff plan and see how rollover payments can shorten the path to becoming debt-free.
Why it stands out
- Built by a university Extension program rather than a lender or lead-generation site.
- Focuses specifically on debt elimination instead of mixing payoff planning into a broad budgeting app.
- Shows the impact of applying freed-up payments from paid-off debts to the next balance.
- Useful for comparing repayment strategies without needing bank account connections.
Good to know
- Results depend on users manually entering accurate balances, interest rates, and payment amounts.
- Projections are planning estimates and may differ from lender calculations, fees, or changing rates.
- It is not a full personal-finance dashboard with automatic transaction syncing or bill payment.
Photos
Households managing multiple credit cards or loans can build a clear, self-directed payoff schedule. Compare debt snowball and interest-saving payoff approaches before choosing a strategy. Estimate how extra monthly payments could change the payoff date and total interest. Create a practical plan to discuss with a financial educator, counselor, or partner.
Debt entry for balances, rates, and minimum payments; payoff schedule projections; rollover-payment planning; strategy comparison for different debt payoff orders; printable or reviewable plan outputs.
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