PayOff Pro: Mortgage Tracker
Extra Payments & Debt Free
Only for iPhone
Free · In‑App Purchases
iPhone
See your true mortgage interest cost in seconds..
Most homeowners never see the full cost of their mortgage.
On a $378,000 loan at 5.625%, you could pay over $400,000 in interest alone — more than the house itself. PayOff Pro shows you your exact number, then gives you the tools to reduce 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. All calculations happen on your device. Your mortgage details never leave your phone.
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 on your device 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.
Fixed an issue where the Continue button could appear stuck on the loan details screen. You'll now get a clear message letting you know exactly what to adjust.
The developer, Daniel Lamptey, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Purchases
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Daniel Lamptey
- Size
- 8.1 MB
- Category
- Finance
- Compatibility
Requires iOS 18.0 or later.
- iPhone
Requires iOS 18.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- PayOff Pro Premium $9.99
- Monthly Plan $2.99
- Copyright
- © 2025 PayOff Pro
