> For the complete documentation index, see [llms.txt](https://guide.mypayoffpro.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://guide.mypayoffpro.com/accessibility.md).

# Accessibility

Your mortgage is your business, and reading it should not depend on how you use your iPhone. This page covers what PayOff Pro does for VoiceOver, motion and appearance.

## VoiceOver

Every control that does something has a spoken label, and the ones whose purpose is not obvious from the label also have a hint.

### On Home

* The profile picture announces as **Profile photo**, or **Default home icon** if you have not set one, with the hint that a double tap changes it.
* The green **+** announces as **Add extra payment**, with the hint that it opens this month's payment so you can add an extra amount.
* The progress card announces as **Principal progress card**.
* The milestone card carries the hint that a double tap views all milestones.

VoiceOver also reads a short line of context after the greeting that is not printed on screen. Depending on where your loan stands, it names one figure: how far ahead of schedule you are, what you have paid in extra payments, the percentage paid off, or your monthly payment. You get the headline without swiping through every card.

### On Schedule

* The export button announces as **Export**, with a hint that it exports the payment schedule as data you can share.
* The year chevrons announce as **Previous year** and **Next year**, and they report as unavailable at either end of your loan.
* The toggle labeled "Active Only" on screen announces as **Active Months Only**, which is the clearer phrasing.
* The button inside an expanded month announces with the month and year included, so you always know which payment you are about to add to.

### On extra payments

* Each delete control announces the amount it will remove, so you cannot delete the wrong one by position alone.
* A locked payment in a past month announces as **Payment locked**.

### On Milestones and Year in Payoff

* The year selector announces which year you are reviewing.
* The share control is labeled, and the caption stating that the shared image never includes a dollar figure is read as part of the card.

### On Loan Details

For an existing mortgage, the read-only fields carry the hint that loan parameters cannot be edited for existing loans, so it is clear the field is protected rather than broken.

### During setup

Setup is a form, so it reads top to bottom. The step counter above each screen is decorative and is skipped by VoiceOver rather than interrupting you between fields.

Validation is spoken: when something does not add up, the alert names the field and says what to do about it in plain language.

## Reduce Motion

Turn on Reduce Motion in your iPhone's accessibility settings and PayOff Pro honors it throughout.

* Setup screens appear immediately rather than animating in one element at a time.
* Switching tabs happens without motion.
* Cards on the Schedule tab expand without animation.
* Milestone celebrations fade in instead of scaling up.

Nothing is hidden or removed. You get the same information with the movement taken out.

## Light and dark

The app follows your iPhone's appearance setting. Set your phone to dark and the app is dark. There is no separate switch inside the app to keep in sync.

Two deliberate exceptions:

* The launch screen stays light.
* Images you share from Year in Payoff or from a milestone are always rendered dark, so they look consistent wherever you post them.

## Nothing disappears on a timer

Milestone celebrations wait for you rather than vanishing after a few seconds, so there is no rush to read them.

Below 100%, tapping anywhere outside a celebration card dismisses it. At 100% the card takes over the screen and has its own control.

## Something not working for you?

Open **Settings**, then **Contact Support**, and describe what you are running into. Accessibility reports are worth sending. They are the only way a gap gets found.


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