Today's Debt: Payoff Planner

Know how your debt changes over time — including principal, payments, and daily interest.

Today's Debt: Payoff Planner is a privacy-focused debt tracking and repayment planning app designed to help you organize mortgages, personal loans, vehicle financing, and other personal debts.

Track balances, record payments, calculate reducing-balance interest, simulate extra payments, and review your repayment history — while keeping your financial records on your device.

🔒 Privacy-Focused & Offline
Your debt records are stored locally on your device. No account or mandatory sign-in is required for everyday debt tracking.

📈 Daily Reducing-Balance Interest
Calculate accrued interest based on your debt balance, interest rate, and actual number of days to better understand how interest changes over time.

💡 Payoff Simulator
Explore different repayment scenarios before making an extra payment. See how additional payments may affect your remaining principal, estimated payoff timeline, and interest.

💳 Multiple Debt Types
Organize mortgages, personal loans, vehicle financing, and other debts in one place.

🔄 Complete Transaction History
Keep payments, principal top-ups, and interest-rate changes together in a unified chronological history.

📊 Reports & Movement Timeline
View your current financial overview, monthly amounts due, interest information, and historical debt movements. Filter long transaction histories by debt and year.

📅 Flexible Calendar Display
Thai users can choose between Buddhist Era (พ.ศ.) and Gregorian (ค.ศ.) year display while keeping debt records consistent.

📊 Export to Excel (.xlsx)
Export detailed debt and transaction reports to Excel for your own records or further analysis.

🌍 40+ Currencies
Record debts using more than 40 supported currencies. Each debt keeps its own currency information without requiring automatic exchange-rate conversion.

📁 Backup & Restore
Back up your app data and restore it when needed.


Today's Debt is a personal record-keeping, calculation, and planning tool. It does not provide loans, credit, refinancing, investment products, or financial advisory services.

Privacy Policy & Terms of Service:
https://sites.google.com/view/thanamonysolution/home/todays-debt-privacy-policy