Pay It Offward

See the day every payment stops costing you money Pay It Offward tracks the recurring payments you're working to pay off - the car loan, the 401k loan, the financed sofa - and shows you exactly when each one ends and how much monthly cash it frees up. Not another budget app. A payoff timeline. ## YOUR PAYOFF TIMELINE • Every commitment in order, with the month it ends • Running total of the monthly cash freed as you scroll • "Next to free up" carousel so the nearest win is always in front of you • Estimated payoff dates filled in automatically from the numbers you already have ## PAYMENT TRACKING • Weekly, biweekly, and monthly payments, shown as one comparable monthly figure • Total cost and total interest per loan, and across everything • Minimum monthly payment rules, flat or percentage of balance • Mark a commitment paid off early and watch the money free up • Completed payments kept, with a running total of what you've already freed ## PLAN THE ORDER • Snowball and Avalanche compared side by side, with the difference explained • What-if planning: redirect freed cash to accelerate the next payoff • Monthly projections of where your cash goes as commitments end ## BUILT TO STAY OUT OF YOUR WAY • Free to download, with no subscription • Works offline - sign in only if you want sync across devices • Reminders when money is about to free up • No ads, no trackers, no analytics SDK ## PRO One-time purchase. No subscription, no renewal. Unlocks unlimited active commitments, advanced cash-freed projections, Snowball and Avalanche comparisons, and what-if planning. Buy it once, restore it on every device. ## PRIVACY Your data is private. We never sell your information. There is no advertising and no analytics SDK. Sync is optional - use the app without an account and nothing leaves your device. You can delete your account and its cloud data yourself, at any time, without installing the app. Privacy Policy: https://brainmonger.com/payitoffward/privacy/ Terms of Use: https://brainmonger.com/payitoffward/terms/