The credit card debt payoff planner for couples.

CouplePay is a credit card debt payoff planner for couples. It helps partners map credit card balances, choose snowball or avalanche, and track payoff progress together.

Yes. CouplePay is free during beta. Create an account to start building your payoff plan.

No. CouplePay never requires bank logins. You manually enter your credit card balances, rates, and minimum payments. Statement PDF import is Coming Soon. No bank credentials are ever shared or stored.

Not yet — statement PDF import is Coming Soon. Today you add balances manually. When import ships, the PDF itself will not be stored: only the balance, interest rate, and minimum payment needed for your plan will be kept.

Create an account, add your credit card balances, choose snowball or avalanche, and invite your partner when you are ready.

A Debt Date is a regular check-in where you and your partner sit down together to review your credit card debt progress, celebrate wins, and plan next steps. Schedule your first Debt Date.

A credit card debt payoff planner helps you organize your credit card balances, choose a repayment strategy (snowball or avalanche), and see a projected payoff timeline. CouplePay is the first one built specifically for couples.

The debt snowball method pays off your smallest credit card balance first for quick wins. The debt avalanche method targets the highest interest rate first to save the most money. CouplePay lets you compare both side by side.

The key is having one shared plan with full visibility. CouplePay gives both partners a single dashboard to see all credit card balances, track payments, and stay aligned on the payoff strategy.

Most credit card debt apps are built for individuals. CouplePay is designed from the ground up for two partners working together toward a shared credit-card-debt-free goal.

According to recent data, the average American household carries over $10,000 in credit card debt. For couples, that number can be higher when combining both partners' balances. CouplePay helps you see the full picture.

Absolutely. Even if only one partner carries credit card debt, having both partners on the same page makes payoff faster and reduces financial stress in the relationship.

Yes. CouplePay never connects to your bank or credit card accounts, and no account numbers or credentials are ever stored. You enter planning details manually today; we only keep the balance, rate, and payment details needed to track your payoff, nothing more.

As little as possible. Creating an account needs a first name and email. Nickname is optional. No last name, address, or bank login is required to get started. The credit card data you add is used solely to calculate your payoff plan, so there is no PII stored beyond what is needed to track progress.

CouplePay is hosted entirely in the United States on Cloudflare's network. The app itself was also built using U.S.-based AI models, Claude Opus and Fable from Anthropic, and Codex 5.5, so every layer of development and hosting stays within the US.