Payoff AI Pro is a privacy-first debt payoff planner powered by on-device AI. Add your credit cards and loans to get smart projections, snowball vs avalanche comparisons, and personalized multi-phase strategies. Chat with an AI that understands your real numbers – all processed entirely on your device. No tracking, no servers, no subscriptions. Just powerful financial clarity in your pocket.

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Hey Product Hunt 👋 I’m Shubham – an indie iOS developer building privacy-first AI apps. I built Payoff AI Pro because I was frustrated with two things: 1. Debt apps that are just calculators 2. AI apps that send all your data to the cloud So I combined both – and made it fully on-device. Your debts, balances, payoff timelines, and conversations with the AI never leave your phone. The AI can: • Analyze your full debt portfolio • Generate snowball vs avalanche comparisons • Create phased payoff strategies • Adjust plans when life changes And there’s no subscription. Just a one-time purchase. I’d genuinely love feedback – especially from people deep into personal finance. What features would make this indispensable for you? Thanks for checking it out 🙏

AppSignal — Full-stack monitoring for errors, metrics, and logs

Full-stack monitoring for errors, metrics, and logs

Payoff AI Pro – Private AI Debt Planner

AI-powered debt freedom. 100% private. On-device.

AI-powered debt freedom. 100% private. On-device.