PayOff Pro: Mortgage Payoff

The 30-year mortgage schedule is a starting point, not a life sentence. Borrow $378,000 at 5.625% and you will pay back about $783,000 over 30 years. More than $405,000 of that is interest. PayOff Pro shows you what every extra dollar changes on your own mortgage. A calculator answers once. A tracker stays with you. HOW IT WORKS 1. Enter your loan details. It takes a few minutes. 2. See your Savings Reveal, the true interest cost of your mortgage. 3. Pay your lender the way you normally do, and ask them to apply any extra to principal. 4. Log that extra payment here to see its projected interest savings and any change to your payoff timeline. You pay your lender. PayOff Pro records what you log and shows what it changed. It doesn't move money or connect to your bank. A small extra might not change the payoff month you see, but it still cuts the interest ahead of you, and the payments add up. Its founder tracked his own mortgage in a spreadsheet, then built PayOff Pro so you wouldn't need one. Your pace will be your own. WHAT YOU GET - Your payoff date. See it come closer as your extra payments add up. - Extra payment tracking. Log one-time or recurring extra principal, as often as your budget allows. Every extra dollar to principal stops generating interest. Forever. - Milestones. Nine of them, from 1% paid to paid in full, each with a share card you control. - Privacy. No account, no sign-up, no bank login. We never see your mortgage details. - Savings Reveal. Your total interest cost, the first time you open the app. - What-If scenarios. Compare a target payoff date, a fixed monthly extra, or a one-time lump sum. - Progress charts. Balance over time, interest by year, and how much of the loan you've paid off. - Full amortization schedule. Every month by principal, interest and extra, exportable to PDF and CSV. - Year in Payoff. A year-end recap of what you paid down, written in plain sentences. - Home Screen and Lock Screen widgets. Your progress ring and your payoff date, without opening the app. - Siri and Shortcuts. Ask for your payoff forecast, or go straight to logging an extra payment. - Reminders. Pick your days, from monthly to once a year, plus occasions like a bonus or a tax refund. - Backup and restore. Your mortgage and your progress in one file you keep. Restore it on a new iPhone. PRIVACY PayOff Pro makes money from subscriptions, not from your data. The app has no analytics and never asks for your email. Backups and exports you create are yours to control. They aren't encrypted, so keep them somewhere private. SUBSCRIPTION INFORMATION PayOff Pro offers two auto-renewable subscription options: - Annual Plan: $9.99/year (auto-renews annually) - Monthly Plan: $2.99/month (auto-renews monthly) Both plans include the same features and a 3-day free trial with full access. Payment will be charged to your Apple ID account at confirmation of purchase. Your subscription renews automatically unless it is canceled at least 24 hours before the end of the current period. You can manage or cancel your subscription anytime in Settings > Apple ID > Subscriptions. After your free trial or subscription ends, an active subscription is required to continue. Your data stays private either way. Privacy Policy: https://www.mypayoffpro.com/privacy Terms of Use: https://www.mypayoffpro.com/terms WHO IT'S FOR - Homeowners already paying extra who want to see what those payments are doing - First-time buyers starting a 30-year loan - Anyone who has tried a calculator and wants something that stays with them - Homeowners who would rather not connect a bank to see their progress Built for iPhone. Requires iOS 18 or later. English and USD only. Calculations are estimates for illustration only. Projected dates and amounts depend on the figures you enter and on your lender's terms, so you could save more or less than the app shows. Consult your lender for exact figures. This is not financial advice.