PayoffPilot

Canadian credit-card debt tracker

Never miss a credit card payment again.

Track balances, due dates, and utilization across every card — and see the date you'll be debt-free.

Free for 2 cards. No bank connection required.

Your debt picture

On track

Total debt

$2,510

Utilization

28%

Debt-free by

March 2027

  • CIBC Mastercard✓ Paid this cycle
  • RBC VisaDue in 3 days

Every card in one place

Balances, limits, and utilization across all your cards in a single, honest view.

Reminders that land

An email before each due date — so a statement never quietly slips past you.

A real debt-free date

See when you'll be clear at your current pace, and watch it move up when you pay extra.