Welcome to PayOff Pro
Professional mortgage management for your iPhone—designed to help you become debt-free faster.
PayOff Pro transforms complex mortgage math into clear insights. Track your loan, add extra payments, and watch your payoff date move closer with every dollar you invest in your financial freedom.
What PayOff Pro Does
PayOff Pro helps you:
Understand your loan - See exactly how much goes to principal vs. interest each month
Track extra payments - Record additional payments and see instant impact on your payoff timeline
Test strategies - Run What-If scenarios to find the best approach for your situation
Visualize progress - Watch milestones light up as you knock down your mortgage balance
Save money - See precise interest savings from every extra dollar you pay
No account required. No data leaves your iPhone. Your financial information stays private.
How It Works
Real Impact: See the Numbers
Starting scenario:
Original loan: $378,000 at 5.625%
Current balance: $205,750
Monthly payment: $2,175.98
Years remaining: 12.5 years
With $500/month extra payments:
New payoff date: 5.2 years sooner
Interest saved: $48,234
Total time to debt freedom: 7.3 years
That's the power of understanding your mortgage.
Built for Trust
Privacy First
All your financial data stays on your iPhone. PayOff Pro never connects to external servers, never uploads your information, and never requires an account. Your mortgage details are yours alone.
Precision You Can Verify
PayOff Pro uses the same amortization formulas your lender uses. All calculations use Decimal precision with banker's rounding—the same standards as professional banking applications. Your results match your lender's statements.
Accessibility for Everyone
PayOff Pro meets WCAG 2.2 Level AA accessibility standards with full VoiceOver support. Financial knowledge shouldn't depend on vision—every feature works seamlessly with iOS assistive technologies.
Professional Design
Banking-grade interface with clear typography, high-contrast colors, and thoughtful information hierarchy. Complex financial data presented with clarity and confidence.
Key Features
Dashboard
Three essential cards show your complete financial picture:
Loan Balance Card - Current principal, original amount, equity built
Monthly Payment Card - This month's payment split (principal vs. interest)
Progress Card - Percentage paid, milestone achievements, time remaining
Payment Schedule
Month-by-month breakdown of your entire loan life:
See principal vs. interest for every payment
Watch the ratio shift over time
Understand why early extra payments have maximum impact
Export to CSV for your records
Extra Payments
Track every additional dollar:
One-time lump sum payments
Recurring monthly additions
See cumulative interest savings grow
Understand exactly how extra payments accelerate payoff
What-If Scenarios
Test strategies risk-free:
Add hypothetical extra payments
See instant impact on payoff date
Compare different approaches
Make informed decisions with real data
Milestone Achievements
Celebrate progress toward debt freedom:
Nine achievement levels (1% to 100% paid)
Visual progress tracking
Motivational milestones at key thresholds
Watch your equity build month by month
Analytics & Insights
Understand the big picture:
Interest summary (paid vs. remaining vs. saved)
Debt-free countdown
Compare original schedule to accelerated payoff
Get Started in 5 Minutes
New to PayOff Pro? Follow our Quickstart Guide to set up your first loan and see your payoff timeline.
Ready to dive deeper? Explore our guides:
Getting Started
Setting Up Your Loan - Complete setup walkthrough
Understanding Your Dashboard - Dashboard tour
Your First Extra Payment - Add your first payment
Features
Dashboard Overview - Every card explained
Payment Schedule - Understanding amortization
Extra Payments - Track additional payments
What-If Scenarios - Test strategies
Milestone Achievements - Progress tracking
Analytics & Insights - Big picture view
Understanding Mortgages
How Mortgage Interest Works - The fundamentals
Why Extra Payments Matter - The math behind it
Amortization Explained - What's really happening
The True Cost of Borrowing - Total interest paid
Need Help?
Common Questions
Check our FAQ section for answers to common questions about:
Setting up loans
Understanding calculations
Managing extra payments
Exporting data
Privacy and security
Accessibility
PayOff Pro is designed for everyone:
VoiceOver Guide - Complete VoiceOver walkthrough
Accessibility Features - All accessibility features
Reference
Technical details and specifications:
Calculation Methodology - How we calculate everything
Currency Support - USD formatting standards
Privacy & Data Security - How we protect your data
Version History - Release notes and updates
Why Understand Your Mortgage?
Most mortgage holders make payments for 30 years without truly understanding where their money goes. In the early years of a typical mortgage, over 80% of each payment goes to interest—not principal.
Knowledge is power:
Understand the true cost of your loan (total interest can exceed the original principal)
Make informed decisions about extra payments
Choose the right payoff strategy for your financial situation
Take control of your largest financial commitment
PayOff Pro gives you the clarity to make confident financial decisions. Whether you're planning a major extra payment, considering refinancing, or just want to understand your monthly statement, PayOff Pro shows you the complete picture.
Your Path to Debt Freedom
Every mortgage journey is different. Some homeowners aggressively pay extra to become debt-free fast. Others balance mortgage payments with other financial goals. PayOff Pro supports both approaches with clear information and zero judgment.
Your mortgage. Your strategy. Your timeline.
PayOff Pro is your tool—use it however it helps you most.
Ready to Start?
Get started with the Quickstart Guide →
PayOff Pro - Professional mortgage management for iPhone
Your financial data stays private. No account required. No data uploaded.
Last Updated: 2025-10-16 Documentation Version: 1.0 App Version: PayOff Pro v1.0
Last updated