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See Your Student Loan Payoff Date
Stop guessing when you'll be free. Spendify calculates your exact payoff date, compares strategies, and shows how extra payments change your timeline.
$530
Avg. Interest Saved
4 mo
Faster Payoff
13,000+
Banks Supported
Student Loans Shouldn't Run Your Life
You graduated, but the debt followed. Most tools make it harder, not easier.
No Visibility
Your loan servicer shows a balance and a minimum payment. They don't show you when you'll actually be free — or how to get there faster.
Multiple Loans, Zero Clarity
Federal, private, subsidized, unsubsidized — each with different rates and balances. Tracking them all in one place feels impossible.
Advice Overload
Snowball or avalanche? Refinance or don't? Everyone has an opinion, but no one shows you the math for your specific loans.
How Spendify Gets You There
Built for people with real debt who want a real plan — not another budgeting lecture.
Your Exact Payoff Date
Connect your loan accounts and see the exact month and year you'll be debt-free. Updated automatically as you make payments.
Compare Strategies
See snowball vs avalanche side by side with your actual loan data. Know exactly how much interest each strategy saves you.
What-If Scenarios
What if you put your tax refund toward loans? What if you add $50/month? Run scenarios and see how your payoff date changes instantly.
Auto-Sync Everything
Connect your loan servicer through Plaid. Balances, payments, and interest rates stay up to date automatically — no manual entry.
Start in Under 2 Minutes
1
Connect Your Loans
Link your student loan accounts through Plaid. Federal and private loans both supported.
2
Compare Strategies
See snowball, avalanche, and custom payoff plans side by side with your real numbers.
3
Watch Your Progress
Track every payment, watch your balance drop, and see your debt-free date get closer.
Common Questions
Yes. Spendify connects to major loan servicers including Nelnet, MOHELA, Aidvantage, and others through Plaid. Both federal and private student loans are supported.
Absolutely. Connect all your loan accounts and Spendify combines them into a single payoff plan. You'll see a unified debt-free date and can compare strategies across all your loans.
Spendify calculates your payoff timeline and total interest for snowball (smallest balance first), avalanche (highest rate first), and custom priority orders. You see them side by side with your real loan data.
Use what-if scenarios to see how extra payments change your payoff date and interest savings. Try different amounts — even one-time windfalls like tax refunds — and see the impact instantly.
Yes. Every new account starts with the first year for just $1, with full access to every feature. Cancel anytime.
Yes. Spendify tracks all your accounts — checking, savings, credit cards, investments, and loans. You get a complete financial picture, not just a loan tracker.
Spendify for every season
Life rarely fits one label. See how Spendify adapts to other chapters.
Finally, Finances You Can Both See
Shared workspaces, joint debt payoff plans, and full transparency — without merging bank accounts.
Learn moreSee Exactly When You'll Be Debt-Free
Compare payoff strategies, track every balance in real time, and watch your debt-free date get closer with every payment.
Learn moreFrom the blog
Deeper reading on the ideas behind this playbook.
Debt Payoff Research: What Actually Works, According to the Evidence
A review of peer-reviewed research on debt payoff strategies. The snowball method has a higher completion rate in field data, even when avalanche saves more interest.
Read articleStudent Loan Payoff Calculator: The 2026 Guide to Actually Getting Out of Debt
How to use a student loan payoff calculator to model your exact payoff date, compare strategies (avalanche, snowball, refinancing), and decide what's worth paying extra vs. staying on minimums. With federal vs. private loan tactics.
Read articleSee Your Student Loan Payoff Date
Connect your loans and get a plan in under 2 minutes. Get your first year for $1. Cancel anytime.