PayOff Pro: Mortgage Tracker

Name: PayOff Pro: Mortgage Tracker
Rating: 4.5 (8 reviews)
Author: Daniel Lamptey

Extra Payments & Debt Free

Only for iPhone

Free · In‑App Purchases

8 Ratings
Age Rating

4+
Years
Category

Finance
Developer

Daniel Lamptey
Language

EN
English
Size

8.2
MB

iPhone

Your 30-year mortgage is a starting point, not a life sentence. Send every extra dollar to principal, watch interest saved and years shaved. Tracking drives your payoff. You do not have to keep the 30-year schedule. On a $378,000 loan at 5.625%, the standard schedule has you repay over $783,000 in total. More than $400,000 of that is interest alone, more than the loan itself. PayOff Pro shows you the years and the dollars you can reclaim, then gives you the tools to do it. HOW IT WORKS 1. Enter your loan details (2 minutes) 2. See your personalized Savings Reveal, the true interest cost of your mortgage 3. Add extra payments and watch your payoff date move closer in real time The math is simple: every extra dollar you pay goes straight to principal. PayOff Pro tracks the impact down to the cent. WHAT YOU GET - Savings Reveal: See your total interest cost the moment you open the app. No signup, no waiting. Just your numbers. - Extra Payment Tracking: Log one-time or recurring extra payments. See exactly how each one shortens your loan and reduces interest. - Full Amortization Schedule: Every month of your mortgage, broken down by principal, interest, and extra payments. Scroll through all 360 months. - What-If Scenarios: Compare three strategies side by side: goal-based payoff dates, fixed monthly extras, or one-time lump sums. See which approach saves you the most. - Interest Analytics: Track total interest paid, interest avoided, and your net savings over time. Numbers update as you add payments. - Debt-Free Countdown: Your projected payoff date, updated in real time. See years, months, and days remaining. - 9 Milestone Achievements: Track your progress from 1% to 100% paid. Each milestone shows exactly how much you have kept from going to interest. - PDF and CSV Export: Share your complete amortization schedule or payment history with your lender, advisor, or accountant. - Smart Notifications: Optional reminders to log extra payments on the 5th, 15th, and 28th of each month, timed around common pay schedules. PRIVACY FIRST PayOff Pro collects zero personal data. No account required. No email. No analytics tracking. Your information stays private, kept on your device and, when you are signed in to iCloud, backed up only to your own private iCloud account. We never receive or access it. We make money from subscriptions, not your data. 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 a 3-day free trial with full access. Start exploring immediately. Payment will be charged to your Apple ID account at confirmation of purchase. Your subscription automatically renews unless 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 expires, the app requires an active subscription to continue. Your data stays private either way. Privacy Policy: https://www.mypayoffpro.com/privacy Terms of Use: https://www.mypayoffpro.com/terms WHO THIS IS FOR - Homeowners who want to pay off their mortgage faster - Anyone curious about the true cost of their loan - People already making extra payments who want to see the impact - First-time buyers planning their payoff strategy Built for iPhone. Requires iOS 18 or later. Calculations are estimates for illustration purposes. Consult your lender for exact figures. Not financial advice.

Ratings & Reviews

4.5

out of 5

8 Ratings

Perfect App for Home Owner
Jun 18
Shay1478
As a first-time homeowner, navigating a mortgage can feel overwhelming, but this app has made the process so much easier. It provides a clear picture of my mortgage payoff journey and shows how both small and large changes can impact my financial goals over time. The interface is clean, intuitive, and incredibly user-friendly, making it easy to stay on top of everything without feeling intimidated.What truly sets this app apart is how empowering it is, it gives homeowners the tools and insight needed to make informed decisions with confidence. I highly recommend it to anyone looking to better understand and manage their mortgage. The developer clearly put a great deal of thought, expertise, and attention to detail into creating an outstanding product. Five stars!
Perfect App for Home Owner
Jun 18
Shay1478

As a first-time homeowner, navigating a mortgage can feel overwhelming, but this app has made the process so much easier. It provides a clear picture of my mortgage payoff journey and shows how both small and large changes can impact my financial goals over time. The interface is clean, intuitive, and incredibly user-friendly, making it easy to stay on top of everything without feeling intimidated.What truly sets this app apart is how empowering it is, it gives homeowners the tools and insight needed to make informed decisions with confidence. I highly recommend it to anyone looking to better understand and manage their mortgage. The developer clearly put a great deal of thought, expertise, and attention to detail into creating an outstanding product. Five stars!
Long term planning
Jun 20
MC19412
One of the most valuable features is the ability to track principal and interest payments over time, which helps me better understand how my mortgage is being paid down. The app’s user-friendly interface makes navigation simple, and the visual charts and payoff projections are especially helpful for long-term planning.
Long term planning
Jun 20
MC19412

One of the most valuable features is the ability to track principal and interest payments over time, which helps me better understand how my mortgage is being paid down. The app’s user-friendly interface makes navigation simple, and the visual charts and payoff projections are especially helpful for long-term planning.
Simple and Effective
Mar 7
Nosiy411
I’m on the journey of paying off my mortgage . This app is just not a tracking tool that shows you real progress. Interest you save when you apply extra payments; how many months /days/weeks you shaved off your mortgage timeline and more importantly a milestone motivational system to keep you motivated to shrink your timeline from 30yrs to sooner.

Developer Response
Thank you! Appreciate the feedback!
Simple and Effective
Mar 7
Nosiy411

I’m on the journey of paying off my mortgage . This app is just not a tracking tool that shows you real progress. Interest you save when you apply extra payments; how many months /days/weeks you shaved off your mortgage timeline and more importantly a milestone motivational system to keep you motivated to shrink your timeline from 30yrs to sooner.
Developer Response Apr 6
Thank you! Appreciate the feedback!
Simple and effective tool
Jun 17
Ruship1221
Great app to help pay off your mortgage faster and see how extra payments really help reduce the interest payments and instead apply towards principal payments
Simple and effective tool
Jun 17
Ruship1221

Great app to help pay off your mortgage faster and see how extra payments really help reduce the interest payments and instead apply towards principal payments

v1.0.5 - A faster start, and quicker extra payments. ALREADY HAVE A MORTGAGE? SIMPLER SETUP Setting up an existing loan is now four quick steps instead of one long form. Enter your original loan and start date, your current balance, your monthly payment, and your rate, each on its own focused screen, with clear guidance and instant checks along the way. If you are already close to the finish line, you will get a well-earned moment to celebrate how far you have come. ADD EXTRA PAYMENTS RIGHT FROM THE DASHBOARD A new "Add Extra Payment" button now lives at the top of your dashboard, so logging a payment and watching your payoff date move is always one tap away. (Help & FAQ moved to Settings > Support.) POLISH AND ACCESSIBILITY - Higher-contrast dashboard button that is easier to read - Clearer, friendlier guidance if something needs a second look during setup - VoiceOver labels and refined haptics throughout - Reliability and stability improvements Thanks for using PayOff Pro. Keep chipping away. Every extra dollar goes straight to principal.

Version 1.0.5 Jul 11

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Accessibility

Information

Seller: Daniel Lamptey
Size: 8.2 MB
Category: Finance
Compatibility: Requires iOS 18.0 or later.

iPhone
Requires iOS 18.0 or later.
Languages: English
Age Rating: 4+

4+

Learn More
In-App Purchases: Yes

PayOff Pro Premium $9.99

Monthly Plan $2.99

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