Payoff

Overview

Payoff is a native iOS budget and debt tracker that makes progress visible — plan your debts, track balances month to month, and watch your payoff dates move closer.

The Problem

Debt payoff is a years-long project with no feedback loop. Spreadsheets go stale, banking apps show balances without a plan, and most budgeting apps bury debt payoff under features you don't need.

The Solution

One focused app: your debts, your plan, your payoff dates. Log balances as they change and Payoff shows the finish line moving toward you — the feedback loop that keeps people paying things down.

Key Features

• Debt payoff planning with clear payoff dates per debt
• Budget tracking built around the payoff plan, not the other way around
• Progress you can see — balances and payoff dates that update as you go
• Native iOS — fast, focused, and built for one job

Tech Stack

Built natively in Swift for iOS — no web wrapper, no bloat, just a focused tool that feels at home on the platform.

Status

In App Store review now — launching soon. Check back for the App Store link.