The credit card debt payoff planner for couples.
Join the waitlist to get early access when we launch.
Good morning
Sarah & Mike
Total Credit Card Debt
$12,847
Debt-free Aug 2026
Chase Sapphire
$2,340 left
67%
This month
-$847
Strategy
Avalanche
WHY COUPLEPAY
Simple tools. Real progress. Together.
Everything you need to tackle credit card debt as a team.
Built for couples
One shared plan for credit card debt, with both partners aligned.
No bank login
Manual credit card entry keeps private financial details in your control.
Proven strategies
Snowball or avalanche. See exactly when you'll be credit-card-debt-free.
GET STARTED
How to pay off credit card debt as a couple.
Create your shared account
Sign up free. Both partners access the same dashboard.
Add all your credit cards
Enter each credit card balance, interest rate, and minimum payment.
Pick snowball or avalanche
Compare both strategies side by side. See your projected debt-free date.
Track progress together
Watch your total credit card debt decrease in real time. Celebrate each paid-off card.
Snowball vs. avalanche
Which is right for your relationship?
Debt Snowball
- How
- Smallest credit card balance first
- Best for
- Quick wins and motivation
- Trade-off
- May pay more interest overall
Debt Avalanche
- How
- Highest interest rate first
- Best for
- Saving the most money
- Trade-off
- Slower first payoff
CouplePay shows both side by side so you and your partner can decide together.
HOW IT WORKS
Early access is opening in stages.
Join the waitlist
Get notified when CouplePay opens early access.
Tell us what you need
We're building this for couples paying off credit card debt together.
Get invited in waves
We'll open access as the MVP is ready.
Start your plan together
Once invited, you'll be able to map credit card balances, choose snowball or avalanche, and track progress as a team.
FAQ
Common questions about credit card debt payoff for couples.
What is CouplePay? +
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.
Is CouplePay free? +
Yes. CouplePay will be free during beta. Joining the waitlist reserves your spot for early access.
Do I need to connect my bank account? +
No. CouplePay does not require bank logins. You manually enter your credit card balances, keeping your financial data private.
What happens after I join the waitlist? +
You will be notified when CouplePay is ready for early access. We will open access in stages as the app becomes available.
What is a Debt Date? +
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.
What is a credit card debt payoff planner? +
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.
What is the difference between snowball and avalanche? +
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.
How do couples pay off credit card debt together? +
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.
What is the best credit card debt payoff app for couples? +
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.
How much credit card debt does the average couple have? +
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.
Can CouplePay help if only one partner has credit card debt? +
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.
Is my credit card information safe? +
CouplePay does not connect to your bank or credit card accounts. You manually enter balances. No sensitive financial credentials are ever stored.
WAITLIST
Built by a couple, for couples.
From spreadsheets to shared clarity. Be among the first couples to try CouplePay when it launches.
We'll invite couples in waves as early access opens.