About PayoffKit

PayoffKit is a free resource for US residents who want to understand their finances better. We provide calculators for:

• Debt payoff – Credit cards, snowball, avalanche
• Salary conversion – Annual to hourly and vice versa
• Loans – Payment, amortization, extra payments

Our Mission

We believe everyone deserves access to clear, accurate financial tools. No signup, no paywall, no tracking by default.

How We Operate

• Free to use – All calculators are free
• No account required – Use tools anonymously
• Privacy-focused – We don't sell your data
• Ad-supported – We may show ads to support the site (see Privacy Policy)

Disclaimer

Our calculators provide estimates only. They are not financial advice. Always verify with your lender or a qualified professional. See our Disclaimer for full details.

Contact

Have questions? Contact us.