Debt Payoff Planner Pricing
Manual planning is free. Linked debt intelligence is Pro.
Build a real plan for cards and loans without paying first. Upgrade only when linked debt accounts, automated risk tracking, and AI explanations are worth it to you.
Free
Full manual debt planning
- Up to 5 manual debts
- Manual debt plan generation
- Snowball vs avalanche comparison
- Custom payoff order
- Weekly plan refresh
- Manual payment logging and recompute
- Manual promo and deferred-interest tracking
- Expandable plan math
Pro
Linked debt intelligence for cards and loans
or $99.99/year (save 17%)
Start 14-day Pro trial- Linked debt accounts
- Daily plan refresh
- Automated promo and deferred-interest tracking
- Smart recommendation above your committed amount
- AI explanations and risk summaries
- Exports and richer history
- Household debt sharing
- Email support
Frequently asked questions
Can I build a real plan on Free?
Yes. Free includes up to 5 manual debts, real plan generation, strategy comparison, manual payment logging, and weekly recomputation.
What does Pro actually unlock?
Pro unlocks linked debt accounts, automated promo and deferred-interest tracking, daily refresh, AI explanations, exports, and household debt sharing.
Do I have to link accounts to use SpendCaddie?
No. Manual entry is enough to get value. Linked debt accounts are there for people who want less manual upkeep.
Does SpendCaddie move my money?
No. SpendCaddie is advisory-only. It tells you what to pay next, but you stay in control of every payment.
Ready for a debt plan you can trust?
Start free, build a real plan, and upgrade only when linked intelligence earns its keep.