SmartlyPayoff PacePay creates your personalized payoff plan, shows you what to pay next, and recalculates the plan when your financial situation changes.
$5.99/month. Cancel anytime. No credit check.
Pay next
Card #4 — 22.9% APR
Example plan, shown for illustration
Plan adjusted
Income updated
All your debts in one view
Credit cards and personal loans, with balances, APRs, and minimums side by side.
Recalculates when things change
Update a balance, payment, or income and your plan is adjusted right away.
One next move at a time
Instead of a wall of numbers, you get clear guidance on what to pay next.
Your plan names the debt to put your next dollar toward, so you're not weighing APRs and due dates on your own.
A missed payment, a raise, an unexpected bill — update the number and the plan is recalculated. You don't start over.
Watch your total balance come down and your payoff timeline update as you go, without rebuilding a spreadsheet.
Three to ten cards and loans with different rates, minimums, and due dates — organized into one plan you can actually follow.
Hours got cut, a bonus landed, or a bill showed up. Update what changed and your payoff plan is recalculated around it.
Done debating snowball versus avalanche in your head. You get clear guidance on what to pay next, every time you check in.
Everything you need to stay on track — a personalized payoff plan, next-payment guidance, and a plan that's recalculated when your situation changes — in a single monthly plan.
PacePay
Cancel anytime. No contracts.
Build my payoff plan$5.99/month. Cancel anytime. No credit check.
That's a fair thing to weigh. PacePay is one flat $5.99/month with no contract and no credit check, and you can cancel in a tap if it isn't earning its place in your budget.
You enter your debts yourself — we don't ask for bank logins. You can update or delete the information you've entered at any time. Our privacy policy spells out exactly how your data is handled.
Most tools are one-time calculators: you fill them in, and the answer goes stale the moment something changes. PacePay recalculates your plan as your numbers change, so the next move is always current.
Yes. It's built for people carrying roughly three to ten debts across credit cards and personal loans, taking balances, APRs, and minimum payments into account together.
That's the core of it. Change the number and the plan is updated around your new situation — no manual math and no starting from scratch.
Set up your plan, see what to pay next, and let it adjust when your situation changes.
Build my payoff plan$5.99/month. Cancel anytime. No credit check.