Now validating in Canada — waitlist open

Know what debt to pay, when to pay it — and get out faster.

NorthPayoff is a simple subscription app for Canadians carrying debt. It builds you a payoff plan, syncs with your bank, and turns everyday debit purchases into extra debt payments — automatically.

Join the waitlist → Joining is free — no payment and no bank connection yet.

01 — YOUR PLAN

A clear payoff planSee every debt in one place, which one to hit first, and your debt-free date.

02 — BANK SYNC

Syncs with your bankBalances and purchases stay up to date on their own — no spreadsheets to keep up.

03 — ROUND-UPS

Round-ups on autopilotEvery debit purchase rounds up, and the spare change goes straight to your debt.

Try the idea in 30 seconds

This is a simple illustration for validation — not a bank connection and not real payments. Move the slider and switch the plan to see how it would feel.

Your round-up receipt

Each debit purchase rounds up to the next dollar. The difference becomes an extra debt payment.

NORTHPAYOFF • ROUND-UPSExample week • Rounded to the next $1

Coffee — $4.60 → $5.00+$0.40

Lunch — $13.25 → $14.00+$0.75

Groceries — $67.40 → $68.00+$0.60

Gas — $52.10 → $53.00+$0.90

Transit — $3.50 → $4.00+$0.50

5 purchases+$3.15 to debt

Debit purchases per week18

5 / week35 / week

$11.34PER WEEK

$49PER MONTH

$590PER YEAR

Based on an average round-up of $0.63 per purchase, like the receipt above. Your real average depends on what you buy. Small amounts, added every week, chip away at the balance without a big lump-sum payment.

Which debt do you hit first?

NorthPayoff builds the order for you. Pick the style that fits how you think — you can change it anytime.

Example debts only, to show the two methods. In the app, this list would be your actual debts, kept current with bank sync.

What NorthPayoff is — and isn't

Plain language, so you know exactly what you're joining the waitlist for.

NorthPayoff is

✓A subscription app that builds and tracks your debt payoff plan
✓A tool that syncs with your bank to keep balances up to date
✓A way to turn everyday debit purchases into extra debt payments, automatically
✓Built Canada-first, priced in Canadian dollars

NorthPayoff is not

✕Not a lender — it doesn't lend you money or give you a loan
✕Not a debt collector — no one is collecting from you
✕Not primarily a payment processor — payments are just one part of the plan
✕Not financial advice — it's a planning and automation tool

One simple price to test

We're validating whether this is worth $10 a month. Joining the waitlist doesn't charge you anything.

NORTHPAYOFF — MONTHLY

$10 / month CAD

Your personal payoff plan and debt-free date
All your debts in one place, synced with your bank
Automatic round-ups from everyday debit purchases
Reminders so you never miss which debt to pay next
Pause or cancel controls — you're in charge

Join waitlist — $0 today

Joining is free — no payment and no bank connection yet.

Short FAQ

Is NorthPayoff live yet?

No — it's in validation in Canada. We're talking to Canadians carrying debt, testing the price, and building the first version based on what we hear. The waitlist is how you get invited first.

Do I connect my bank or pay when I join?

No. Joining is free — no payment and no bank connection yet. The form just asks for your name, email, the kinds of debt you carry, and whether $10/month sounds fair.

How do round-ups work?

When you buy something on debit, NorthPayoff would round it up to the next dollar — for example, $4.60 becomes $5.00 — and put the $0.40 toward the debt at the top of your plan. On its own it's small; across every purchase, every week, it adds up.

What's the difference between Snowball and Avalanche?

Snowball pays your smallest balance first, for a quick win that keeps you going. Avalanche pays your highest-interest debt first, which usually saves the most money. NorthPayoff will let you pick either.

Is NorthPayoff a lender or a debt collector?

No. It's not a lender, not a debt collector, and not primarily a payment processor. It's a subscription planning app that helps you pay your existing debts in a smarter order, with automation.