We’re a team of recovering debtors. We built the tool we wished we’d had.

Since 2015, out of OxbowSoft LLC in Oregon, we’ve made one thing: Debt Payoff Planner. We started it because every other tool treated debt like a spreadsheet. It isn’t. It’s a headgame first, math second. If you’ve ever been afraid to add up what you owe, you know exactly what we mean.

What we believe

Getting out of debt doesn’t take a finance degree, a windfall, or a lecture. It takes two things: a clear picture of where you stand, and a plan you’ll actually stick to.

• Win the headgame. Shame keeps you from looking at the numbers. We make looking feel safe, because the first honest total is where it starts.
• Cut the guesswork. Current, straight information so you can decide with confidence.
• Act today. Steps you can take with the money you have right now, not after a raise.

How the app helps

It turns “I’ll be paying this off forever” into a date on the calendar.

• Your debt-free date. The actual month, not “a few years.”
• Snowball or avalanche. Quick wins or maximum interest saved. The best method is the one you’ll stick with, and we help you compare.
• Visible progress. What keeps you going when zero still feels far off.
• Any budget. The plan works even in the months you can’t pay extra.

Who it’s for

A couple of credit cards, maybe a car loan and student loans, an ordinary income, and one question: is there a way out? Yes. You’re not behind, you’re not bad with money, and you’re not alone. You just need a plan you can see.

Trust

We’re not financial advisors, and nothing here is official advice. It’s just the practical information we wish we’d had.

Debt Payoff Planner is owned and operated by OxbowSoft LLC, Oregon. We have no affiliation with any other company claiming to offer our product.

Wherever you are, just starting or already on your way, we’re glad to ride along. Sometimes the wheels come off. That doesn’t change your destination, only how long it takes to get there.