Get to $0
together.
The credit card debt payoff planner for couples. Pick snowball or avalanche, see your debt-free date, pay it off as a team.
Simple tools. Real progress. Together.
Built for couples
One dashboard, two partners. See everything together. Both partners can track balances, monitor progress, and celebrate wins side by side.
No bank login
Manual entry keeps your data private and secure. No bank credentials, no third-party data sharing. You control what goes in.
Proven strategies
Snowball or avalanche. Pick what works for you. See exactly when you'll be debt-free and how much interest you'll save.
How to pay off debt as a couple
CouplePay makes it simple. Here's how couples use it to become debt-free together:
Create your shared account
Sign up free — both partners access the same dashboard. No separate logins, no bank connections required.
Add all your debts
Enter each credit card balance, interest rate, and minimum payment. Manual entry keeps your financial data private.
Pick snowball or avalanche
Compare both strategies side by side. See your projected debt-free date and total interest savings for each option.
Track progress together
Watch your total debt decrease in real time. Celebrate each paid-off card as a shared milestone.
Snowball vs. avalanche: which is right for your relationship?
The two most popular debt payoff methods work differently — and the best choice depends on your relationship, not just your math. CouplePay lets you compare both instantly.
Debt Snowball
How it works: Pay off the smallest balance first, then roll that payment into the next smallest. Repeat until debt-free.
- Best for: Couples who need quick wins and motivation
- Advantage: Faster sense of progress — you eliminate entire debts quickly
- Trade-off: May pay slightly more in total interest
Debt Avalanche
How it works: Pay off the highest interest rate first to minimize total interest paid. Roll payments forward as each debt is eliminated.
- Best for: Couples who want to save the most money
- Advantage: Mathematically optimal — lowest total cost
- Trade-off: Takes longer to pay off the first debt
Not sure which to pick? CouplePay shows both side by side — debt-free date, total interest, and monthly breakdown — so you and your partner can decide together.
Be the first to try CouplePay
We're rebuilding from scratch. Join the waitlist and we'll let you know the moment V3 is ready.
Frequently asked questions
CouplePay is a free credit card debt payoff planner for couples. Track debt together, choose snowball or avalanche strategies, and see your debt-free date.
Yes, CouplePay is free during beta. No credit card required to sign up.
No. CouplePay does not require bank logins. You manually enter your credit card balances, keeping your financial data private.
A debt payoff planner for couples is an app that helps both partners track and pay off debt together. CouplePay gives couples a shared dashboard, payoff strategy options (snowball or avalanche), and a projected debt-free date — turning debt from a source of conflict into a shared mission.
The debt snowball method pays off the smallest balance first for quick psychological wins. The debt avalanche method targets the highest interest rate first to save the most money overall. CouplePay lets you compare both strategies side by side so you and your partner can choose together.
Couples pay off credit card debt together by: (1) listing all debts in one shared place, (2) choosing a strategy together — snowball or avalanche, (3) tracking progress in real time on a shared dashboard, and (4) celebrating milestones as each card gets paid off. CouplePay automates all four steps in one free app.
CouplePay is the best debt payoff app for couples because it's the only one designed specifically for two partners. Most finance apps are built for individuals. CouplePay gives both partners a shared dashboard, joint strategy selection, a unified debt-free date, and milestone celebrations — so you stay aligned and motivated together.
Built by a couple, for couples.
From spreadsheets to shared clarity. Be among the first couples to try V3 when it launches.
Coming soon — No credit card required