Affiliate Disclosure
Short version: we link to Amazon products. If you buy through our links, we earn a small commission. It costs you nothing extra and doesn't change our math.
Amazon Associates Program
PayoffTime.com is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com. As an Amazon Associate, we earn from qualifying purchases.
When you click a product link on PayoffTime and make a purchase, we may receive a commission at no additional cost to you. The price you pay is the same whether or not you use our link.
What This Means for Our Recommendations
Every article on PayoffTime is built around a math question: how long until this purchase pays for itself? That math doesn't change based on commission rates. We don't select products because they pay higher commissions — we select them because they represent the budget, mid-range, and premium options a real buyer would consider.
If a product doesn't pay off quickly, we say so. Payoff time is calculated from publicly available pricing and usage data, not adjusted to make any product look better than it is.
Prices and Availability
Product prices shown in our articles are reference prices verified at the time of writing. Amazon prices change frequently. Always click through to Amazon to confirm the current price before making a purchase decision.
FTC Disclosure
In accordance with the Federal Trade Commission's guidelines on endorsements and testimonials (16 CFR Part 255), we disclose that PayoffTime.com earns compensation from affiliate links. This disclosure appears in the footer of every page on this site.
Questions
If you have questions about how we choose products or calculate payoff times, see our Methodology page.