PayOff Pro: Mortgage Tracker

New: Dark mode, Home Screen and Lock Screen widgets, Siri, and a rebuilt Progress tab. Your payoff date now sits on the screens you already look at.

The 30-year schedule is a starting point, not a life sentence. On a $378,000 loan at 5.625%, the standard schedule repays more than $783,000 in total. Over $400,000 of that is interest, more than the loan itself. PayOff Pro shows you that number on your own loan, then shows you what every extra dollar does to it. HOW IT WORKS 1. Enter your loan details. It takes about two minutes. 2. See your Savings Reveal, the true interest cost of your mortgage. 3. Pay your lender directly, the way you normally do.Any extra payment made must be directed to the principal. 4. Log that extra payment here and watch your payoff date move. You pay your lender. Logging the payment in PayOff Pro is what shows you the interest it took off and the time it bought back. The app does not move money and does not connect to your bank. It tracks what you pay, down to the cent, and every extra dollar goes straight to principal. WHAT YOU GET - Savings Reveal. Your total interest cost, the first time you open the app. No signup, no waiting. - Extra payment tracking. Log one-time or recurring extra payments and see how each one shortens the loan. - Payoff Forecast. Your projected payoff date, and the time you have bought back so far. - Progress charts. Balance over time, interest by year, and your share of the loan paid off. Scrub any month to read the numbers behind it. - Full amortization schedule. All 360 months, broken down by principal, interest and extra payments. - What-If scenarios. Compare a target payoff date, a fixed monthly extra, or a one-time lump sum, side by side. - Milestones. Nine of them, from 1% paid to paid in full, each with a card you can share. - Year in Payoff. A year-end recap of what you paid down, written in sentences rather than statistics. - Home Screen and Lock Screen widgets. Your progress ring and your payoff date, without opening the app. - Siri and Shortcuts. Ask for your payoff forecast, or go straight to logging an extra payment. - Dark mode. The whole app, following your system appearance. - PDF and CSV export. Send your full schedule to your lender or your accountant. - Optional reminders on the 5th, 15th and 28th, timed around common pay schedules. PRIVACY PayOff Pro collects zero personal data. No account, no email, no analytics, no tracking, no third-party SDKs. Your loan stays on your device, and when you are signed in to iCloud it mirrors only to your own private iCloud account, which the developer cannot see or access. PayOff Pro makes money from subscriptions, not from 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 unlock the same features and include a 3-day free trial with full access. Payment will be charged to your Apple ID account at confirmation of purchase. Your subscription renews automatically unless it is 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 ends, an active subscription is required 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 own their home sooner - Anyone curious about the true cost of their loan - People already paying extra who want to see the effect - First-time buyers deciding how to approach the next 30 years Built for iPhone. Requires iOS 18 or later. English and USD only. Calculations are estimates for illustration only. Projected dates and amounts depend on the figures you enter and on your lender's terms, so you could save more or less than the app shows. Consult your lender for exact figures. This is not financial advice.