PayOff Pro: Mortgage Tracker

Your 30-year mortgage is a starting point, not a life sentence. Send every extra dollar to principal, watch interest saved and years shaved. Tracking drives your payoff.

You do not have to keep the 30-year schedule. On a $378,000 loan at 5.625%, the standard schedule has you repay over $783,000 in total. More than $400,000 of that is interest alone, more than the loan itself. PayOff Pro shows you the years and the dollars you can reclaim, then gives you the tools to do it. HOW IT WORKS 1. Enter your loan details (2 minutes) 2. See your personalized Savings Reveal, the true interest cost of your mortgage 3. Add extra payments and watch your payoff date move closer in real time The math is simple: every extra dollar you pay goes straight to principal. PayOff Pro tracks the impact down to the cent. WHAT YOU GET - Savings Reveal: See your total interest cost the moment you open the app. No signup, no waiting. Just your numbers. - Extra Payment Tracking: Log one-time or recurring extra payments. See exactly how each one shortens your loan and reduces interest. - Full Amortization Schedule: Every month of your mortgage, broken down by principal, interest, and extra payments. Scroll through all 360 months. - What-If Scenarios: Compare three strategies side by side: goal-based payoff dates, fixed monthly extras, or one-time lump sums. See which approach saves you the most. - Interest Analytics: Track total interest paid, interest avoided, and your net savings over time. Numbers update as you add payments. - Debt-Free Countdown: Your projected payoff date, updated in real time. See years, months, and days remaining. - 9 Milestone Achievements: Track your progress from 1% to 100% paid. Each milestone shows exactly how much you have kept from going to interest. - PDF and CSV Export: Share your complete amortization schedule or payment history with your lender, advisor, or accountant. - Smart Notifications: Optional reminders to log extra payments on the 5th, 15th, and 28th of each month, timed around common pay schedules. PRIVACY FIRST PayOff Pro collects zero personal data. No account required. No email. No analytics tracking. Your information stays private, kept on your device and, when you are signed in to iCloud, backed up only to your own private iCloud account. We never receive or access it. We make money from subscriptions, not your data. SUBSCRIPTION INFORMATION PayOff Pro offers two auto-renewable subscription options: - Annual Plan: $9.99/year (auto-renews annually) - Monthly Plan: $2.99/month (auto-renews monthly) Both plans include a 3-day free trial with full access. Start exploring immediately. Payment will be charged to your Apple ID account at confirmation of purchase. Your subscription automatically renews unless canceled at least 24 hours before the end of the current period. You can manage or cancel your subscription anytime in Settings > Apple ID > Subscriptions. After your free trial or subscription expires, the app requires an active subscription to continue. Your data stays private either way. Privacy Policy: https://www.mypayoffpro.com/privacy Terms of Use: https://www.mypayoffpro.com/terms WHO THIS IS FOR - Homeowners who want to pay off their mortgage faster - Anyone curious about the true cost of their loan - People already making extra payments who want to see the impact - First-time buyers planning their payoff strategy Built for iPhone. Requires iOS 18 or later. Calculations are estimates for illustration purposes. Consult your lender for exact figures. Not financial advice.