payoff.tips exists because loan math shouldn't require handing your financial details to a lead-generation site. Everything runs in your browser, your figures are never uploaded, and it costs you nothing to use. If it saved you money or made a decision clearer, here's how you can help it reach more people.
Ways to help
Share it
The single most helpful thing. Send payoff.tips to a friend shopping for a mortgage, a family member tackling a car loan, or a group chat debating extra payments. Word of mouth is how this site grows.
Send feedback
Found a bug, a confusing label, or a number that doesn't match your lender's statement? Tell us. Real-world reports directly shape what gets fixed and built next. Email: hello@payoff.tips
Suggest a feature
Adjustable-rate modeling? Refinance comparison? A payoff-strategy comparison for multiple debts? If enough people ask for something, it moves to the top of the list.
Explore our other tools
We build a small suite of free, private, client-side financial tools. Try the Retirement Planning Simulator to model your savings the same way payoff.tips models your debt.
How it stays free
Most loan calculators online are marketing funnels: they exist to capture your email and sell your intent to lenders. payoff.tips takes a different path — the site is supported by ordinary display ads, which cover hosting without ever touching your data. Advertisers never see the numbers you enter, we never ask for your email, and the math stays honest. Simply using and sharing the site is what keeps it running.