Paigoy puts your debts side by side — smallest balance first or highest rate first — and shows modeled interest, total payments and your debt-free month before you save a plan.
Clear numbers, no hidden math. Just your figures, modeled both ways.
Compare smallest-balance-first and highest-rate-first plans in one screen, with total interest and total payments.
See the exact month each debt disappears — and the day your whole list reaches zero.
When one debt is paid off, its payment moves forward to the next — modeled automatically.
Inspect every month: interest added, payment applied, balance left. Nothing is a black box.
We keep data collection minimal and explain it plainly in our Privacy Policy.
See interest, total payments and dates up front, so every decision comes with the full picture.
Name, balance, rate and minimum payment for each one.
Choose how much extra you can put toward payoff each month.
Review both strategies and inspect the month-by-month math.
Choose an order and follow it toward your debt-free month.
A simplified preview of what the app models. Real plans live in the app.
Illustrative estimates using monthly compounding. Not financial advice; actual results depend on your lender's terms.
Get the appClears small debts fast so you see wins early and free up payments sooner.
Targets the costliest debt first, usually trimming the total interest you pay.
Paigoy helps you compare payoff orders and see modeled interest, total payments and your debt-free month.
Highest-rate-first usually costs less interest, while smallest-balance-first can feel faster. Paigoy shows both with your real numbers.
You can install it free from Google Play and compare orders without paying to model your plan.
Only what's needed to run and improve the service. Read the full details in our Privacy Policy.
No. Results are modeled estimates. Your lender's actual terms, fees and your payment behavior will affect outcomes.
Email us at Paigoy@gmail.com.