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PowerPay

PowerPay

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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

Illustration for PowerPay