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Payoff Genius provides all the tools you need to take control of your debt. We offer step by step directions as well as the support and encouragement you need to pay off your debt and save money along the way.

Payoff Genius
The smartest way to pay off your debt

Justin Moran
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After spending 20 years as a banker, primarily marketing loans and credit cards, I decided to make a change. I wanted to learn to code and apply that skill to helping people get out of debt. The average person in the US has over $20k in non-mortgage debt. I built Payoff Genius to help people take the first steps towards paying down their debt with a simple approach that's easy to stick with.

Payoff Genius
The smartest way to pay off your debt