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. If it saved you money or made a decision clearer, here's how you can help it reach more people.
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 our only marketing.
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.
Why it's free
Most loan calculators online are marketing funnels: they exist to capture your email and sell your intent to lenders. payoff.tips is the opposite — a static page with honest math and nothing to sell. Keeping it that way is the whole point.