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Your spare change.
Your debt's
worst nightmare.

PayOff™ rounds up every purchase and quietly fires that spare change at your debt — on top of your regular payments. No budgets. No willpower. Just your everyday spending doing the heavy lifting.

Works with any debt at any Australian bank

✓ You're on the list — we'll be in touch soon

Join Australians already taking back control of their debt

PayOff™

Good morning 👋

ROUND-UP BALANCE

$0.00

applied to your debt this month

☕

Mecca Coffee

$5.40

+$0.60

🛒

Woolworths

$43.15

+$0.85

⛽

BP Petrol

$82.30

+$0.70

🍔

Grill'd Burgers

$18.50

+$0.50

🎯

6 months sooner

debt-free with PayOff™

✓ Open Banking secured

How it works

Three steps to a debt-free life

PayOff™ works silently in the background. Set it up once, get on with your life, watch your debt shrink.

🏦

Connect your bank

Securely link your accounts using Australia's Open Banking. Bank-level 256-bit encryption. We never store your login credentials — ever.

🔄

We round up every purchase

Every transaction rounds up to the nearest dollar automatically. Coffee for $4.30? We set aside $0.70. Groceries for $43.15? That's $0.85. You won't even notice.

📉

Your debt shrinks, automatically

Round-ups stack up and get fired at your nominated debt — on top of your regular minimum payments. Think of it as an automatic extra repayment every single month.

Everything you need

Built for real Australians with real debt

Round-up Mode

Every purchase quietly pays off your debt

Coffee for $4.60 rounds to $5 and $0.40 fires straight at your debt. Groceries, petrol, takeaway — every transaction adds up without you lifting a finger.

~$40

extra toward your debt every month

Today's round-ups

☕

Mecca Coffee

$4.60

+$0.40

🛒

Woolworths

$43.15

+$0.85

⛽

BP Petrol

$82.30

+$0.70

Total today$1.95 to your debt

Percentage Mode

Go harder when you're ready

Choose 1 to 30 percent of every purchase. On 5 percent mode, the average Australian automatically sends $140 extra toward their debt every single month.

~$140

extra per month on 5% mode

5% mode — this month

Woolworths $200$10.00 to debt

BP Petrol $85$4.25 to debt

JB Hi-Fi $320$16.00 to debt

Monthly total$140 to your debt

Australia First

Aggressive on coffee. Invisible on groceries.

Spare Change Boost applies up to 100% only on purchases under $10. Your daily coffee habit becomes a debt-destroying machine — while your big shops stay completely untouched.

$4.50

coffee contributes $4.50 toward your debt on 100% boost

Spare Change Boost — 100%

☕

Morning coffee

$4.50 — under $10

+$4.50

🍔

Lunch snack

$7.90 — under $10

+$7.90

🛒

Woolworths

$156.40 — over $10

untouched

Big shops protected$12.40 to your debt

Debt-free Calculator

See exactly when you'll be free

PayOff™ shows you a real debt-free date based on your actual balance, interest rate and contributions. Watch the date get closer every time you add a transaction.

6mo

sooner debt-free on average

Your debt snapshot

Balance$8,000

Interest rate19.99%

Monthly minimum$200

Without PayOff™June 2029

With PayOff™December 2028

Saving $340 in interest

Open Banking

Your bank. Your data. Your control.

Connect your bank securely using Australia's government-backed Open Banking system. Transactions sync automatically every 5 minutes. We never see your login credentials — ever.

256

bit encryption — same as the big four banks

Connected accounts

Westpac

Synced just now

Secured

Australian CDR

256-bit SSL

Read-only

Auto-sync

Your credentialsnever seen by PayOff™

Any Debt. Any Bank.

Track every debt in one place

Credit cards, car loans, personal loans, HECS, buy now pay later — add them all. PayOff™ tracks each one separately and shows exactly how your round-ups are accelerating every payoff.

Any

debt at any Australian bank

My debts

Westpac Credit Card Target

$8,000 · 19.99%

6mo sooner

Car Loan

$15,400 · 8.5%

4mo sooner

Total saving$580 in interest

Three contribution modes

Choose how hard you hit your debt

Start gentle. Go harder when you're ready. Switch anytime with no lock-ins and no penalties.

🔄

Round-up Mode

Every purchase rounds up to the nearest $1, $2, $5 or $10. The most passive way to pay down debt — you'll barely notice it happening.

Coffee $4.60 rounds to $5 → $0.40 goes to your debt

📊

Percentage Mode

Choose 1–30% of every purchase. More aggressive, still fully automatic. On 5% mode, the average Australian sends $140 extra toward their debt every month.

Woolworths $100 at 10% → $10.00 goes to your debt

⚡

Australia First

Spare Change Boost

Up to 100% applied ONLY on purchases under $10 — so it never touches your big shops. Aggressive on your daily coffee. Completely invisible on your grocery run.

$4.50 coffee at 100% boost → $4.50 goes to your debt

Debt-free calculator

See your own numbers

Enter your real debt details and see exactly how much sooner PayOff™ could set you free — and how much interest you'd save along the way.

The grey bar shows your payoff timeline on minimum payments alone

The green bar shows how much shorter your journey is with PayOff™

The gap between them is money you keep instead of giving to the bank

Your debt snapshot

Debt balance ($)

Interest rate (%)

Monthly minimum payment ($)

PayOff™ mode

Without PayOff™ — months

With PayOff™ — months

Without PayOff™

With PayOff™

Interest saved

—

Debt-free date

—

PayOff

Privacy and Security Policy

Our commitment to you

PayOff™ is built on a simple principle — your data belongs to you. We collect only what is necessary to make the app work, we never sell your information, and we never share it with third parties for advertising purposes.

What we collect

Email address — used only for account login and to notify you when PayOff™ launches. Never shared or sold.

Transaction data — imported from your bank via Open Banking. Stored securely and used only to calculate your round-ups. Never accessed by third parties.

Debt details — balances, interest rates and minimum payments you enter manually. Stored securely in your personal account. Only you can see this information.

App settings — your contribution mode preferences and transfer settings. Stored to restore your experience across sessions.

What we never collect

Your bank login credentials — ever. These are handled entirely by Basiq and your bank directly. PayOff™ never sees them.

Your full account numbers — only the last 4 digits are stored for display purposes.

Payment card details — PayOff™ does not process payments and never stores card information.

Personal identification — no passport, driver's licence or government ID is ever requested or stored.

How we protect your data

🔒

256-bit encryption

All data transmitted between your device and our servers is encrypted using 256-bit SSL — the same standard used by Australia's major banks.

🏦

Supabase — row-level security

Your data is stored in Supabase — a secure cloud database with row-level security. This means every user can only ever access their own data. It is technically impossible for one PayOff™ user to see another user's information.

🔗

Basiq Open Banking

Bank connections are handled by Basiq — one of Australia's leading Open Banking providers, accredited under the Australian Government's Consumer Data Right framework. Your bank login credentials go directly to Basiq and your bank. PayOff™ never sees them at any point.

👤

Read-only bank access

PayOff™ can only read your transaction data. We cannot move, transfer or access your money without your explicit approval on every single transaction. You are always in control.

Your rights

You have the right to access, correct or delete your personal data at any time. You can disconnect your bank account at any time from within the app. You can delete your PayOff™ account and all associated data by contacting us directly. We will never retain your data after you request deletion.

Financial disclaimer

PayOff™ is a financial tracking tool. We do not hold, move or manage your money. Round-up contributions are applied on top of your existing minimum debt payments — never as a replacement for them. PayOff™ does not provide financial advice. Always ensure your minimum payments are met and consult a licensed financial adviser for personalised financial guidance.

Questions about your privacy?

Reach out at getpayoff.netlify.app — we read every message.

Your spare change.
Your debt's
worst nightmare.

Three steps to a debt-free life

Built for real Australians with real debt

Every purchase quietly pays off your debt

Go harder when you're ready

Aggressive on coffee. Invisible on groceries.

See exactly when you'll be free

Your bank. Your data. Your control.

Track every debt in one place

Choose how hard you hit your debt

See your own numbers

Small change.
Big difference.

Ready to stop feeding
the interest machine?

Your spare change. Your debt's worst nightmare.

Three steps to a debt-free life

Built for real Australians with real debt

Every purchase quietly pays off your debt

Go harder when you're ready

Aggressive on coffee. Invisible on groceries.

See exactly when you'll be free

Your bank. Your data. Your control.

Track every debt in one place

Choose how hard you hit your debt

See your own numbers

Small change.Big difference.

Ready to stop feedingthe interest machine?

Your spare change.
Your debt's
worst nightmare.

Small change.
Big difference.

Ready to stop feeding
the interest machine?