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Personal Online Money Manager

Published 03/05/2012 and rated Ratingstars4 4 out of 5 stars
by Shel Gatto
What can you use the app for?

Payoff is a goal management tool that helps users pay off debt and save up for anything they want. The user creates an account and links their financial accounts to begin monitoring their spending. The application awards the user with badges to encourage progress in the right direction. Cash prizes are sometimes awarded as well. The user sets their financial goals, which can be anything from paying off a long term debt to saving a set amount of money or starting a business. Progress is tracked through Payoff. The site also lets users see how much they spend at specific businesses to help encourage better spending habits. For example, the user can see how much they have spent at Starbucks buying coffee and use that information to make changes if needed.

Payoff screenshot
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What is the history and popularity of the app?

Payoff was founded in 2009 by Scott Saunders and Eden Warner. The application has received a number of positive comments and reviews for its user friendly design and practical function. The application is intended to offer an easy way to manage debt and financial goals so users are more inclined to keep going and meeting those goals. The application provides some motivation through badges and surprise rewards and gives users a place to organize their accounts and spending data.

What are the differences to other apps?

The internet provides many ways to track personal finances and goals. Payoff is unique because it provides a user friendly interface that allows anyone to easily manage and sort their financial data. This includes the one click spending view that lets the user see how much they have spent at one location or business. Even though the main purpose of Payoff isn’t unique, the way the application approaches the task is.

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How does the web app look and feel to use?

Payoff keeps things clean and upbeat with a multi-tone blue color scheme. Whimsical clouds glide by on the homepage, enhancing the friendly nature of the application. The design is user friendly and includes a number of fun, playful visual elements that keeps the process of managing finances as interesting and easy as possible. Payoff is a breath of fresh air compared to the more utilitarian or professional-focused financial application designs.

How does the registration process work?

A new user can create a Payoff account by clicking the orange “Sign Up Free!” button in the upper, right portion of the homepage. A dark blue “Connect” button is also available for users who want to sign up through Facebook. Those who go with the orange button are asked to provide a username, email address and password. The user automatically earns the V.I.P. award for signing up and is given instant access to their dashboard.

What does it cost to use the application?

Payoff invites all internet users to try its services for nothing. There are no subscription fees and anyone can create an account for free. The site doesn’t handle any transactions so there are no transaction fees. The user is not required to make any purchases or commit to anything to maintain account access. Free is definitely a great price to encourage users to try Payoff whens saving up or paying off a debt.

Who would you recommend the application to?

Payoff is a helpful resource for individuals and families that need an easy way to plan and meet financial goals. The application is intended for the average person rather than businesses and professionals. Users can set any financial goals they want and monitor them through Payoff. The service customizes to the user’s personal financial needs. The interface is easy to understand and provides a number of helpful features to make the process as painless as possible.

  • Users can register through the site or Facebook
  • Spending for individual businesses can be viewed with a click
  • Financial accounts can be linked and monitored through Payoff
  • Goals can be set and tracked on the user's profile
  • Places, friends and locations can be tagged through Facebook

Payoff video

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Payoff pricing

FREE - Permanently free version




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