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Payoff Goals

Stop planning to study. Actually get it done.

Set a goal and the hours to finish it, then run focus sessions that count down as you work. Track your goals, tasks and streaks in one place. Free to use, no card needed.

Free forever plan No card to start Set up in under a minute
Study left
10:00
of your 10h
this week

How it works

Three steps. Then just focus.

1

Set your goal & hours

Pick what you want to get done, how many focused hours it'll take, and a deadline. Break it into tasks if you want.

2

Run a focus session

Start the timer and work. It counts your hours down live, and quiet check-ins keep the time honest so only real focus counts.

3

Watch it add up

Tick off tasks, build a streak, and see your hours-left drop toward zero. Hit your goal before the deadline and you're done.

A clear target, a real deadline, and progress you can actually feel.

Inside Payoff

This is what focus looks like.

usepayoff.com
Focusing
24:12
6h 12m left · 3h 48m done
10h goal this week · deadline Sunday 11:59 pm
Chemistry — chapter 468%

The timer runs, your hours-left drop as you focus, and your task fills in as you go.

Why it works

Made to get you started, not just organised.

Hours that count down

See exactly how much focus you have left, dropping as you work. Way more motivating than a to-do list that never ends.

One goal, one deadline

A single clear target with a real cutoff, so there's a reason to start today instead of "tomorrow".

Progress you can see

Goals, tasks, streaks and a focus history that build up session by session and keep you coming back.

Everything above is free. No card, no catch.

Payoff Pro

When you want to go all in.

Payoff is fully free. Pro is for people who live in it, more control over your sessions and no limits.

✓
Turn check-ins offRun long, uninterrupted deep-focus sessions with no taps.
✓
Any session lengthGo past 2 hours, set a custom length, or use a stopwatch instead of a countdown.
✓
Custom deadlinesNot just a week or a month, pick any deadline that fits your goal.
✓
Unlimited goals & tasksPlan as much as you want, with no caps.
✓
Goals that carry overYour goals and tasks stick around across every cycle.
✓
Cancel anytimeManage or cancel in a couple of taps. No lock-in.
$3.75/mobilled $45/year · or $5 monthly

Optional

Want real pressure? Put money on it.

Some people focus harder when there's something on the line. If you want, you can add optional money stakes to a cycle: put a small amount per hour on the line, and only pay for the hours you don't finish. Hit your goal in time and you pay nothing. It's completely optional, off by default, and never required to use Payoff.

Off by default Nothing charged up front Finish in time, pay nothing

Most apps remind you. Payoff gets it done.

Typical study apps

  • Endless to-do lists
  • Reminders you swipe away
  • Deadlines you can move
  • Badges that stop mattering
  • No real reason to start today

Payoff

  • A goal with a real deadline
  • Hours that count down as you focus
  • Streaks and progress you can feel
  • Distraction-proof sessions
  • Free to use, no card needed

Use it for

Trials, the HSC, exams, assignments, coding, writing, reading, languages, uni, freelance work, side projects, anything you keep meaning to start.

Good to know

Straight answers before you sign up.

Is it really free? Yes. Set goals, run sessions, track your progress, all free with no card. Pro and money stakes are both optional add-ons you never need.
What are check-ins? In longer sessions Payoff asks for one quick tap so only real focus counts. Not your thing? Pro lets you switch them off entirely.
How long can a session be? Free sessions run up to 2 hours, then just start another. Pro removes the cap and adds custom lengths and a stopwatch mode.
Does anything charge me? Not on the free plan. Pro is a subscription you choose ($5/mo or $45/yr). Money stakes only ever charge for hours you didn't finish, and only if you turn them on.
Do cycles auto-repeat? No. When a cycle ends, Payoff pauses until you pick your next goal and hours. Nothing sneaks up on you.
Need help? Email support@usepayoff.com anytime. Support is also in your account settings.

Built to trust

Serious about your money and your privacy.

$
Secured by StripeAll payments run through Stripe. Payoff never sees or stores your card number.
◦
Privacy-firstNo ads and no selling your data. Only what's needed to keep you signed in and track your progress.
↻
No lock-inThe core app is free forever. Pro cancels in a couple of taps whenever you want.
✓
Yours to controlMoney stakes are off by default. You decide the pressure, every cycle.

Ready?

Your next study session starts now.

Set a goal, start the timer, and actually get it done. Free to start, no card needed.

This week's goal
Pass the chemistry midterm
tap to edit
At risk
$
0h
This week
7 days left
Ready

Start a focused session.

00:00:00
Choose a task or just focus.
No task selected
Task time reached
$8.00 left - $0.00 saved
Goals

Your board

Progress

See what you actually did.

This week

0.0 hours
Goal progress0%
Hours left8h
Saved so far$0.00
Still at risk$0.00

Selected day

Today

Hours0.0h
Saved$0.00
Sessions0

Set up your cycle

Choose your goal

Your commitment level controls how much money is at risk if you leave time unfinished. Nothing is charged now — you just save a card; any unfinished commitment is charged only at the deadline.

What do you want to get done?

Pick a common goal or write your own — make it specific.

How many hours?

The focused hours you're committing to before the deadline.

hours

Add money stakes?

Optional. Put a small amount per hour on the line so you actually follow through. You can start completely free and turn this on any time.

You're putting it on the line

Goal—
Deadline—
Hours committed—
You're risking up to
$0
Only if you don't finish. Nothing is charged now.

Nothing is charged today — Payoff just saves your card with Stripe. At the deadline, only the hours you didn't do are charged, up to the amount above. Finish in time and you pay nothing.

Settings

Keep the feel right.

Session

Sound
Length
Check-ins

A quick tap every 25-40 minutes to confirm you are still there.

Mode

Same numbers. Different energy.

Account

Manage sign-in, security, billing access, and saved details from one place.

Support

Questions, payment confusion, or something that looks wrong?

Email support

Session complete

0m
Toward: your goal
Before
$0.00
Now
$0.00
$0.00 saved this session

Choose a task

Pick what this session is for. You can mark it done after the session.

*

A little push

Tap anywhere to close.

Session paused

Clock stopped safely.

Payoff paused the timer because you left the tab. Your progress is saved — it just will not count fake time.

Focused0s
Worked off$0.00

Tap the button when you are ready and the timer continues from here.

Working on it

Please wait a moment.