> 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/home.md). # Home Home is the screen you open the app to. It answers one question quickly: where does my mortgage stand right now? Everything on it is a summary. When you want detail, the other four tabs have it. ## The header Across the top, from left to right: * **Your photo.** Tap it to pick a picture from your photo library. It is stored on your iPhone and nowhere else. The default is a small green house. * **Today's date and a greeting**, followed by your name. If you skipped the name field during setup, it reads Homeowner. You can set or change it in [Settings](/settings.md#your-profile). * **A green + button.** This is the fastest way to add an extra payment. ### What the + button does Tap it and the app switches to the [Schedule](/schedule.md) tab, opens the current month's row and brings up the **Extra Payment** sheet on top of it. You end up in the same place you would reach by hand, in one tap instead of four. ## The cards Scroll down for the rest of the picture, in this order. ### Current balance The headline figure: what you still owe. Underneath it, three short columns. * **MONTHLY** is your payment. * **INTEREST** is the interest side of the loan. * **PAYOFF** is the date you finish. This card appears on iPhone. On a wide iPad screen it is not shown. The same figures are on the [Schedule](/schedule.md) and [Progress](/progress.md) tabs. ### Principal progress A ring showing the share of your principal you have paid off, with the percentage in the middle marked **PAID**. Below it: * **Principal Paid** is how much of the debt itself you have cleared. * **Remaining** is what is left. * **You've saved** is the interest your extra payments have already avoided. This is the card to check when you want to feel the distance you have covered. ### This month's payment Your current payment, broken into where it actually goes. * **Principal** reduces what you owe. * **Extra** appears only in months where you have logged an extra payment. * **Interest** is the cost of borrowing for the month. Early in a mortgage the interest slice is much larger than most people expect. That is normal, and it is exactly what extra payments attack. ### Current milestone Your next badge, and the amount of principal still to pay before you unlock it. Tap this card and the app takes you to the [Milestones](/milestones.md) tab. ## Tips and hints Short hints appear over some cards, pointing out what each one is for. One shows at a time. They keep appearing on each visit until you switch them off. To stop them, turn off **Quick Hints** in [Settings](/settings.md#experience-and-guidance). The nearby **Helpful Tips** switch controls occasional suggestions at the top of Home. ## Legal links and the disclaimer The footer carries links to the **Privacy Policy**, the **Terms**, and **Support**, which opens your mail app addressed to the support team. Below those sits the full calculation disclaimer. Calculations use banker's rounding. Figures may differ from your lender's statement by up to a cent. Future dates and amounts are projections for planning, not financial advice. ## Where Home always opens Home opens at the top every time, whether you are launching the app or coming back from another tab. Wherever you scrolled to last time, you do not have to find your place again. Two minutes a month is enough. Open Home, check the balance, and if you sent your lender anything extra, tap **+** and log it on the [Schedule](/schedule.md) tab. --- # Agent Instructions This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com. ## Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter, and the optional `goal` query parameter: ``` GET https://guide.mypayoffpro.com/home.md?ask=&goal= ``` `ask` is the immediate question: it should be specific, self-contained, and written in natural language. `goal` is optional and describes the broader end goal you are ultimately trying to accomplish on behalf of the user. GitBook uses it to tailor the answer towards what is most useful for that goal. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.