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PayoffPilot

Where PayoffPilot is headed

A living plan. This is the direction, not a set of promises. Things move between columns as we learn, and nothing here is tied to a date.

Now in the app today

  • Snowball and Avalanche

    Compare both payoff strategies side by side with your real numbers.

  • What-if scenarios (Pro)

    See how an extra payment or a windfall changes your debt-free date.

  • Payment tracking and reminders

    Log payments, watch balances fall, and get reminded before due dates.

  • Progress milestones

    First payoff, 25%, 50%, 75%, and debt-free, worked out from your actual schedule.

  • Private by design

    Everything stays on your device. No account, no ads, no tracking.

Next building

  • CSV import

    Add your debts from a spreadsheet instead of one at a time.

  • Emergency Fund setup

    A guided flow for your emergency-fund goal.

  • Tip jar

    Optional support if the free tier is enough and you still want to chip in.

Later exploring

  • iCloud sync

    Optional sync across your devices through Apple’s iCloud. Still no PayoffPilot account.

  • Home screen widgets

    Glanceable debt-free progress without opening the app.

  • Apple Watch companion

    Your payoff progress, right on your wrist.

  • Localization

    PayoffPilot in more languages.

Want something on this list? Email us.