PaidOff: Debt Tracker

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

Add your credit cards and loans, and PaidOff builds your complete amortization schedule: every payment, how much goes to interest versus principal, and the exact month you hit $0. No sign-up needed, privacy focused, tracking debt is free.

KEY FEATURES

• Your debt-free date — see the month you're done, how many months are left, and how much of what's left is just interest.

• Total debt over time — a chart of where your debt has been and where it's projected to go, updated with every payment you track.

• Month-by-month amortization schedule — starting balance, payment, interest, principal, and ending balance for every month, for every debt. It opens right on today.

• Track payments and balances — log what you actually paid and see the live breakdown: how much covered interest, how much hit principal, and your new balance.

• Edit anything — change payments or balances, one month or many at once, and the entire schedule recalculates instantly.

• Real APRs — model promotional rates, deferred interest, and multiple rates on a single card.

• The honest warning — if your monthly payment will never pay off your balance, PaidOff tells you straight and shows the payment that will.

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

Debt is stressful enough. PaidOff doesn't judge and doesn't need your login — it just here to help you pay your debt off.