PaidOff: Debt Tracker

PaidOff gives you one clear picture of everything you owe, then shows you month by month exactly how it ends.

Add your credit cards and loans and PaidOff builds the whole schedule: every payment, how much of it is interest, how much comes off the balance, and the month you hit $0. No sign-up, no bank login, nothing to pay for. Your numbers stay on your phone.

KEY FEATURES

• Your debt-free date. The month your last debt hits $0, and how long that is from today. If one of your debts isn't going to clear at what you're paying, it says that too instead of quietly leaving it out.

• Total debt over time. A chart of where your debt has been and where it's headed, against last year and your 12-month average. Tap it for where you land and how much of the rest of the ride is just interest.

• A statement for every month. The month opens at a starting balance, lists everything you recorded in the order it happened, and closes at what you owe. Tap any line to open the record behind it, or swipe it away.

• Payments that show their work. Log what you actually paid and see where the money went: how much covered interest, how much came off the balance, what you owe now. On a loan the interest comes out of the payment. On a card it lands at the close of the month. The statement tells you which.

• The adjustment line. When what you recorded and what PaidOff worked out don't match, the gap gets a line of its own instead of a number quietly bending. A purchase, an annual fee, or a payment you never logged shows up right there.

• Confirm a month once it's settled. Payments you planned stay unconfirmed until you say they happened, so your schedule never claims something you didn't do.

• The full amortization schedule. Starting balance, payment, interest, principal, total interest, and ending balance for every month of every debt. It opens on today.

• Edit anything, one month or many. Change payments or balances across a run of months at once and the whole schedule recalculates. Even the first month's starting balance is yours to set.

• Your dates, not the calendar's. Say which day a card's statement closes and which day each payment lands, and every month is measured on your cycle instead of the 1st.

• Real APRs. Promotional rates, deferred interest, and more than one rate on the same card.

• Loans that haven't started yet. Plan one before it originates and it joins your schedule the month it begins.

• The honest warning. If what you're paying will never clear a balance, PaidOff tells you straight and shows you the payment that will.

• Private by design. Your financial data lives on your device. No account. No bank passwords.