> 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/schedule.md). # Schedule This is the full map of your loan: every month between now and payoff, what each payment costs, and where every dollar of it goes. It is also where extra payments get logged. The tab is called Schedule. The screen it opens is headed **Payment Schedule**. Same place. ## Reading the screen At the top, two figures tell you the shape of what is left: how many payments remain, and the month you finish. Below that, a year at a time. * The chevrons on either side of the year move you back and forward. They stop at the beginning and end of your loan. * **Active Only** is a toggle. It is **on** when you first arrive, which hides months you have already paid so you are looking forward, not back. Turn it off to see your whole history. ### The year summary Each year opens with a summary card. The **Payment Distribution** breakdown shows what share of that year's money went to principal, to extra payments, and to interest. Step back a few years and then forward a few and you can watch the balance shift. Early on, interest dominates. Later, principal does. That shift is what extra payments accelerate. ### The month rows Each row shows the month, a status, the total payment, the split into principal, interest and extra, and the **Remaining** balance afterwards. Tap a row to expand it. Inside is one button: **Add Extra Payment**. Months you have already paid do not offer that button. The past is settled. ## Adding an extra payment You can start this several ways. From a month row here. From the green **+** on [Home](/home.md). By asking Siri, covered in [Widgets, Siri and shortcuts](/beyond-the-app.md). Or from the manage screen described below. Every route lands on the same **Extra Payment** sheet, subtitled "Accelerate Your Payoff", with your current balance at the top. ### What to fill in * **Amount.** Tap one of the preset chips, or type your own into **Custom Amount**. * **Payment Type.** Choose **ONE-TIME** for a single payment. Choose **RECURRING** if this is a commitment, then set how long it runs and whether it repeats **Monthly**, **Quarterly** or **Yearly**. * **Projected Impact.** This block updates after you stop typing and shows what the payment does. If it is empty, it is waiting for an amount. Then tap the apply button, which names the amount you entered and reads **Apply $500** or whatever your figure is. Or tap **Cancel**, if you were only curious. Applying the payment brings up a short card confirming what you just bought yourself in interest saved. {% hint style="warning" %} PayOff Pro does not send money. Pay your lender directly, then log the payment here so your date and your charts reflect it. {% endhint %} ### Why a payment might be refused Two things can stop a payment going through. * A general error, which the app will describe. * An amount larger than what you actually owe. The app declines it and explains why, rather than letting your schedule go negative. ## Managing extra payments From the Extra Payment sheet, tap **Manage Extra Payments**. It opens a screen headed **Extra Payments**, grouped by month, with a total for each. * Each entry is listed with a delete control. * **Clear All This Month** removes every extra payment from that month. It asks you to confirm, and you can add them back later. * **Clear All Future Extra Payments** removes everything scheduled ahead of you. It asks you to confirm, and it cannot be undone. * Payments in past months are locked and show a small lock instead of a delete control. Your history stays intact. If you have not logged anything yet, the screen simply says your first extra payment starts here, with a button to add one. ### There is no edit {% hint style="warning" %} An extra payment cannot be edited once it is added. If you entered the wrong amount, delete that payment and add a new one with the right figure. Deleting and re-adding is the intended workflow, not a workaround. {% endhint %} ## Exporting your schedule The button at the top right of the Schedule screen exports your payment schedule as a file you can save or send. It runs the same export flow as the one in Settings, described in [Settings](/settings.md#export-report). ## 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. Logged a payment? Open [Progress](/progress.md) to see what it did to your payoff date, or [Milestones](/milestones.md) to see how close it put you to the next badge. --- # 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/schedule.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. 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