> 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/progress.md). # Progress Home tells you where you are. Progress tells you where you are heading, and lets you test what would happen if you changed something. ## Payoff Forecast The card near the top is the one to look at first. It shows the date you finish, and beside it the time your extra payments have bought back so far. If you have not logged an extra payment yet it reads **Not yet**, with a prompt to add one and start buying back time. Tap the card and a full screen opens, headed **Your Payoff Forecast**. It lists your extra payments so you can see what produced the date. If there are more than fit on screen, a line tells you how many earlier ones are not shown. It closes with the point of the whole exercise: every extra payment moves this date closer. ## A recap when something changes Occasionally a card appears above the forecast telling you that your payoff date just moved closer. It shows up only when an extra payment genuinely pulled the date in, never for a date that moved out. Tap **Dismiss** and it stays dismissed for that event. ## The charts Under the forecast there is a three-way picker: **Balance**, **Interest**, **Paid off**. Pick one and the cards below change. ### Balance **Balance over time**, subtitled "What you owe, shrinking". A line from where you started to zero, with a marker for today. Drag anywhere on the chart to read any month. It is the quickest way to answer "where will I be in four years?" Once the loan is finished the chart retires itself, because the balance reached zero and there is nothing left to plot. ### Interest **Interest: the cost of borrowing**, showing what the loan charges you over its lifetime. If you have logged extra payments, the card also shows what you have saved. If you have not, it prompts you to add one and see the number. Below it, **Where each year's payments went**. Drag across it to step through each year and see how much of your money went to principal and how much to interest. The current year is partial, and the card says so. ### Paid off **Loan paid off**: every payment tips the balance from the bank's side to yours. There is a marker for today. Underneath, a detail card with **Paid off so far**, **Next milestone** and **To get there**. When the loan is done, this card reads **100% yours**. ## Year in Payoff A card reading **Year in Payoff** sits below the charts: "See your year in review, ready to share." Tap it and you get your year in one screen: a progress ring, a sentence about what the year did to your loan, and a line for what you added on top of your required payments. There is a share control. The image it produces shows your progress and never a dollar figure, so you can post it without publishing your finances. It carries a small "Made with PayOff Pro" credit. Your first Year in Payoff arrives after December 31, once the year holds a few months of payments. Until then the screen says so plainly. You can also reach it from a notification at the end of the year. See [Settings](/settings.md#notifications). ## What-If Scenario Explorer This is where you test a decision before you make it. The card is open by default and holds three strategy tiles. Tap the card body to collapse or expand it. * **Goal-Based.** Start from a date. You say when you want to be finished, and the app tells you what it takes. * **Fixed Extra.** Start from an amount. You say how much extra you can send each month, and the app tells you where you land. * **Lump Sum.** Start from a windfall. You say what you can pay once, today, and the app tells you what it buys. {% hint style="info" %} The small figures printed on those tiles, such as a target year or a sample amount, are examples to show you what each strategy does. They are not your numbers. Your numbers appear once you open a tile and run it. {% endhint %} ### Running a scenario Tap any tile and a sheet opens. Along the top are four pills: **Goal**, **Fixed**, **Windfall** and **Results**. You can switch between the three strategies without closing the sheet. **Results** stays dimmed until you have actually run a calculation. 1. Pick a strategy pill. 2. Enter your target date, your monthly extra, or your one-time amount. 3. Tap **Calculate**. The results read **Strategy Validated** and give you three figures: * **New Payoff**, the date this scenario produces. * **Interest Saved**, what it avoids. * **Monthly Payment**, what you would be paying. Tap **Try Another Scenario** to change your assumptions and run it again. Compare two or three before you commit to anything. Nothing you do here changes your loan. What-If is a sandbox. To make a change real, log an extra payment on the [Schedule](/schedule.md) tab. ## How accurate these numbers are 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. The short version of this sits at the foot of the screen. Tap **View full disclaimer** for the long one. Found a scenario worth acting on? Go to [Schedule](/schedule.md) and log the payment that makes it real. --- # 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. 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