The Pay Off Debt App + Giveaway! (CLOSED)

pay it off app

This is a sponsored post but, as always, my opinions are my own. Thanks for supporting the companies that help make this site possible. – Anna

Awhile back I shared Jackie Beck’s story of how she and her husband got out of $147,000 in debt (!!! nuts, right?!). They were persistent and committed to the process of getting out of debt and, not surprisingly, it worked!

Jackie has created a great app that is appropriately called: Pay Off Debt . Pay Off Debt is an iPhone and iPad app that has helped tons (tens of thousands) of people pay off debt by using the snowball method.

Let me tell you, I really wish this app was around when I was going through my Spending Fast and Spending Diet (not that I had an iPhone then but still…) because it would’ve made it so nice to see the progress I was making and how far I had come. I also would’ve really enjoyed seeing how my pay off date was changing based on the aggressive payments I was making every month. I think that would have been so fun to see it getting closer and closer!

There’s even a feature with the app that let’s you email your snowball information to yourself. I would’ve printed out my progress reports every month, and taped them all over my house, so I could be simultaneously thrilled and horrified/motivated at how far I had come, and how far I had yet to go.


Here are some my favorite features that the app offers:

  • You can prioritize your debts in the way you prefer (lowest balance, highest interest, or you can select a custom order)
  • You can see your planned debt-free date, and then compare and contrast how long it’d take to pay off all debts if you weren’t using the snowball method.
  • You can view progress bars for motivation and encouragement!
  • It takes interest rates into account when calculating estimated time left.
  • It takes taxes and insurance (escrow) into account when adding a Mortgage/HELOC type debt.
  • It lets you change the additional amount you have available to put toward the first debt in your snowball at any time.
  • It lets you set payment reminders to appear when the app is running, if desired, and then once the due date has passed, the reminder will no longer appear.
  • You can select your currency: dollars, euros, pounds, yen or a custom currency.


Jackie also mentioned that she often gets asked why the app costs $2.99 instead of offering it for free. She said that the reason it isn’t free is because she doesn’t want to have ads on the app, and she didn’t want to have it set up to cost $10-$15/month for a subscription type of service in order to access all of the features. She said she would much rather just sell the app up-front for a few bucks, and get on to helping people get out of debt!


Jackie is giving away a copy of the iPhone/iPad Pay Off Debt app to 3 readers! To enter leave a comment below, saying how you would feel if you were debt-free!

 Be sure to fill in the appropriate email, name, etc., fields so we can contact you if you win. The giveaway will end on Friday, October 17th at 5:00pm MST. Good Luck!

a Rafflecopter giveaway

**Update 10/14/14 Apologies to Jackie. In the original post I mistakenly called the app by the wrong name. It has now been corrected.

P.S. Ready to get out of debt ASAP? Check out the Spending Fast Bootcamp!


58 thoughts on “The Pay Off Debt App + Giveaway! (CLOSED)

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  1. Caz

    Being debt free for me would be life changing as the stress of being in debt makes me feel so horrible and has a very negative effect on my blood pressure and mood!

  2. Psalm

    It would be such a freeing thing to be debt free. I would love to take actual vacations with my family one day and provide a secure future for my young son.

  3. Ashley

    If I no longer had debt, I would feel like a huge elephant was just lifted off my chest. No longer worrying about paying on my loans as I’m helping my children through college (and I don’t even have kids yet!).

  4. faith

    being debt free would help us REALLY focus on adding money to our savings to buy a house! our debt is keeping us back!

  5. Holly S

    It’s hard to imagine how I would feel to be debt free. I would feel liberated I guess, it’s draining to be in debt.

  6. Ellen

    Being debt free to me would mean having the freedom to know I could pursue whatever career I wanted, not the one that paid the most. Though I love my current career, I often feel I could never change it because I have to make a certain amount of money to pay off my student loans.

  7. Sherry

    Being debt free would allow us to focus on what we truly care about – spending more time with family and friends and enjoying new places and experiences together.

  8. Mary

    I’m not sure I would know what it feels like to be debt free. We haven’t been that way since we got married 3 1/2 years ago. It would be wonderful. We would free up over half our income that goes to pay off debt each month. Of all the wonderful feelings that being out of debt would bring I know the greatest would be the feeling of being parents. My husband and I are planning to adopt however we are determined to adopt without debt. So naturally the first step before we can even really start the process is to pay off all of our current debt and then save like crazy. I thought being in debt was miserable but now that our debt is the only thing standing between us and starting a family I actually hate our debt with every ounce of my being. My husband and I have been on the Spending Fast for over a year now and it’s helping but it’s still a slow process that we have to take one day and one purchase at a time :)

  9. Carissa

    Being debt-free would be a huge relief from debt from undergraduate and graduate degrees and from wedding costs, it’s one thing to be paying off debt by yourself, but it feels like a burden when someone else is involved.

  10. chloe

    liberated! I’d be able to save money more aggressively without having to funnel most of my extra money into paying off student loans.

  11. Sean

    I’d feel awesome! My wife and I got married a year ago (!) and just bought a house so the bills are piling up faster than I’d like (and expected), haha.

    Looking forward to paying it all off and going on vacation again.

  12. Lisa

    We would be ecstatic! We had great success when we first started our debt snowball but have fallen off the rails. It’s much harder to try to get back on track!

  13. jessica

    Right now an entire paycheck goes to debt. When I am debt free, I can choose to save that paycheck, or work full time at my own business for half the pay that I “need” right now.

  14. amanda s.

    I’d feel like I could finally catch my breath if I were debt free. Also, I’d be a lot better with saving money. It’s hard to imagine being debt free, but I’m hopeful.

  15. Alexandra

    I would feel such a relief to have the burden of debt removed. Having debt is what is holding my husband and i back from having a baby. I will hopefully get the joy of being a mother once we are debt free!

  16. Gia Saunders

    I have more debt than cod got liver oil, I would be estatic to be debt free without reservation!! Right now my eyes are crossed I can’t even see straight.

  17. Kat

    I would feel so liberated and would love to be able to be as generous with my friends and family as I used to be (without going nuts, of course).

  18. Elizabeth V.

    If I was out of debt, I would finally feel free of all the pressure of that burden. Being able to make life decisions out of passion, instead of fear of instability.

  19. Ashleyjeremy

    I would feel free. I would feel like I was rich, even though our income is not particularly high. As well it would be nice to occasionally do something spontaneous with money (seat sales!) and not feel guilty about it afterward.

  20. Kristin

    What a great feeling it would be to have no debt! Like a weight had been lifted and we could provide a fantastic future for our baby girl!

  21. Ria

    Being debt free would be freedom for me. Freedom to buy the things I want and need in that moment with confidence, and also having a bigger savings account to always feel confident and able to handle life’s curveballs.

  22. Candice C.

    I would feel rich! Not having to worry about credit card bills or student loan payments…it would be such a relief! True freedom and confidence.

  23. Michelle

    Being debt free would allow me the opportunity to “give” more freely. It would be such a wonderful feeling to just give to those who are less fortunate and to do things for myself and my family without feeling the pressure of owing someone.

  24. Erin B

    I have been dreaming of the day where I will be debt free. It seems like it is never going to happen but my husband and I just instituted the envelope/cash only system and while it has been an adjustment, I am keeping my eye on the prize!

  25. Jack's Mom

    I’d feel so proud of myself. And I’d feel so relieved with the freedom of choice I’ll havw when I’m debt free.

  26. Maricela

    I would feel like I could make career/life changes that I want to make instead of living in fear and staying in the same place because it pays the bills.

  27. Elizabeth

    HI!! I would LOVE THIS APP! I am currently working on paying off my student debt, about $30,000 in the next year. I have already paid off credit cards and eliminated them from my spending, I am a cash girl now! Anyway, my boyfriend and I are getting engaged soon and we set the goal for me to have my debt paid off by the time we get married – we are looking into around Christmas next year! This app would really help me on my journey of becoming debt-free! I would love a tool to help me be accountable for my spending. Thank you for this opportunity!

  28. Emma

    Being debt free would be amazing. As a college student, I’m currently struggling with paying off my loans and cutting spending habits. This app would be very appreciated!

  29. Katie

    Being debt free WILL make me feel a sense of accomplishment and freedom. And possible the ability to finally do all of the trips and things that I dream about, but cannot do because of my debt.


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