Privacy
Last updated: October 2, 2026.
Payoff Planner stores your debts, balances, budget and progress only in your browser, on your device. This data is not sent to us or to anyone else.
When you unlock the app, your license key or access code is sent once to our server. A Gumroad key is forwarded to Gumroad to confirm the purchase. Keys and codes are not stored on our server.
Purchases are processed by Gumroad or Etsy, under their own privacy policies. If you sign up for the free call script, your email address is held by our email provider, systeme.io, and you can unsubscribe from any email.
The app uses no analytics, no advertising and no cookies.
Questions: reply to your Gumroad receipt, or send a message through Etsy.