Weekly
$2.00 today
Platform fee now. Unfinished commitment may be charged later.
Payoff
The productivity tool that puts your money where your goals are.
Stop relying on motivation alone. Choose a goal, put a real consequence behind it, then watch the number fall as you focus.
Work this off
$16.00
$0.00 reduced so far
8h left to work off
8h left to work off
Why it works
Motivation fades. Consequences stay real.
Real money on the line
Pick a goal and choose how much accountability you need. Payoff gives the plan weight before you start.
Every second counts
As you focus, the amount still at risk drops continuously. Partial progress still matters.
Finish and avoid the charge
Complete the hours before the deadline and there is no extra commitment charge.
A deadline without consequences is just a suggestion.
Demo
See the number move before you commit.
Weekly goal: 10 hours
Starting the week
Hours completed0h
Hours remaining10h
Earned down$0.00
Still at risk$20.00
Before checkout, Payoff shows exactly what is paid now and the maximum that could be charged later.
The real app is built around this same idea: choose the target, start the timer, and watch the amount still at risk fall as you work.
Focus sessions
Start the timer. Work the number down.
25:00
Pick a task, focus, and Payoff reduces the possible deadline charge second by second.
Use Payoff for study, coding, writing, admin, training, or any focused work that keeps getting pushed off.
You are not paying to work. You are putting a consequence behind the goal, then working it down.
How it starts
Three choices. Then you are in.
1
Choose the work
Set the goal and the hours you want to complete this week or month.
2
Choose the pressure
Starter, Focused, and No Excuses change how much money is at risk.
3
Start focusing
Pay the platform fee, save your payment method with Stripe, and begin working the number down.
Most tools remind you. Payoff gives the goal weight.
Typical productivity tools
- Timers
- Reminders
- Streaks and badges
- Deadlines that can be moved
- No real consequence for ignoring the plan
Payoff
- Real financial accountability
- A fixed deadline
- Every focused second counts
- Partial progress lowers the final charge
- A clear reason to start now
Use it for
Study, coding, writing, reading, learning a language, freelance work, building a business, admin, training, and personal projects.
Good to know
The extra details, without the sales pitch.
Check-ins keep sessions honest.
During longer sessions, Payoff may ask for one quick tap. Tap it and keep going. Miss it or close Payoff, and the clock pauses so the money calculation stays fair.
Sessions cap at 2 hours.
That keeps the accountability focused. If you want to keep going, start another session right after.
New periods do not silently repeat.
After a week or month ends, Payoff pauses until you choose the next target. No surprise repeat commitment.
Stripe handles the payment method.
Payoff charges the platform fee first. Only unfinished commitment can be charged later at the deadline.
Need help?
Email support@usepayoff.com. Support details are also available inside your account settings.
This week's goal
Pass the chemistry midterm
tap to edit
Work this off
$
This week
$0.00 saved so far
7 days left
Minimum bill $2.00
Ready
Start a focused session.
0:00
Choose a task or just focus.
Task time reached
$8.00 left - $0.00 saved
Goals
Pick the work. Finish it after a session.
Pass the chemistry midterm
Tasks are chosen before a focus session. They can be marked done on the session complete screen.
Tasks
Progress
See what you actually did.
This week
Goal progress0%
Left to work off8h
Saved so far$0.00
Still at risk$0.00
Selected day
Today
Hours0.0h
Saved$0.00
Sessions0
Commitment
Choose how much accountability you need
Your commitment level controls how much money is at risk if you leave time unfinished. The platform fee is paid now; any unfinished commitment is charged only at the deadline.
Monthly
$6.00 today
Platform fee now. Unfinished commitment may be charged later.
Your target
Your commitment charge is reduced continuously while you focus.
Goal8 focused hours
Commitment levelFocused
Deadline7 days left
Platform fee charged today$2.00
Commitment at risk$16.00
Maximum future charge$16.00
Reduced while focused$2.00/hour
Most you can avoid$16.00
Payoff charges only the platform fee now and saves your payment method with Stripe. At the deadline, only unfinished commitment may be charged. If you finish your goal, there is no extra commitment charge. After that, Payoff pauses until you choose the next hours.
Only continue if you are 18 or over and the possible future charge is affordable for you.
Settings
Keep the feel right.
Session
Sound
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