Secure Access
Sign in to access your saved debts and payoff projections.
Create Your Owner Account
Set up the first secure owner account for this Payment Tracker installation.
Sign In
Enter your owner account credentials to open the app.
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Add a New Debt
Enter debt details to track balances, payments, and payoff progress.
Backup and Restore
Export your saved debts to a JSON file or import a previous backup before making major changes.
No backup action has been run yet.
Account Security
Update your owner password and sign back in with the new credentials.
No password change submitted yet.
Key Payoff Impact
Quick overview of how your current payoff plan affects timeline and interest.
Debt‑Free Date
Not calculated
Total Interest
$0.00
Months Saved
0
Interest Saved
$0.00
Recommended Strategy
Not determined
Recommended Targets
Use these suggestions to decide where extra payments may have the most impact.
Best to Minimize Interest
Not available
Best Quick Win
Not available
Extra Payment Simulation
Test how adding extra money toward your debt each month changes your payoff timeline.
Enter an additional amount you could pay each month. The projections will update automatically.
Choose a specific debt to receive the extra payment, or let the selected payoff strategy decide.
One-Time Payment Advisor
Preview which single debt gets the strongest payoff benefit from a one-time lump-sum payment. This is a read-only recommendation and does not change any stored balances.
Enter a lump-sum amount and preview the recommended target debt.
Best Recommendation
No preview run yet.
Top Ranked Options
No preview run yet.
Payoff + Rollover Advisor
Preview where a fully paid-off debt’s monthly payment would work best next. This is a read-only recommendation and does not change stored balances or payment settings.
Recommendations prioritize faster payoff chains and near-term progress.
Choose a debt and preview the next rollover target.
Best Option
No preview run yet.
Top Rollover Targets
No preview run yet.
Rollover Action History
Review rollover moves that have already been applied.
No applied rollover actions yet.
Active Payoff Strategy
Select which payoff strategy the dashboard should treat as your active plan.
The selected strategy will control the projection comparisons and charts shown below.
Payment Rollover Guidance
This shows the next projected rollover step after a payoff event, including simulation timing and the future payment amount you would configure after changing the real lender payment.
Next Step After Payoff
No rollover guidance available yet.
Use this after you have changed the real account payment.
Pending Rollover Actions
Saved rollover recommendations stay here until you apply, hide, or reject them.
No pending rollover actions.
Current Target
This shows where extra money added right now would go under your active payoff strategy, or how the Current Plan baseline behaves when no rollover priority is used. Optimized Rollover follows the current simulation outcome rather than a fixed highest-APR rule.
Next Target Debt
No target available yet.
Strategy Comparison
Compare how different payoff methods affect your timeline and interest.
Current Plan
Payoff: Not calculated
Interest: $0.00
Snowball
Payoff: Not calculated
Interest: $0.00
Avalanche
Payoff: Not calculated
Interest: $0.00
Optimized Rollover
Payoff: Not calculated
Interest: $0.00
No comparison available yet.
Strategy Insights
No insight available yet.
No insight available yet.
No insight available yet.
Scenario Comparison
Compare preset extra-payment amounts side by side to see how payoff time and interest change.
No scenarios available
Add debts to generate payoff scenarios.
Financial Summary
Overview of your current debt situation.
Total Debt
$0.00
Total Monthly Outflow
$0.00
Average Interest Rate
0%
Estimated Payoff
Not calculated
Total Interest Remaining
$0.00
Debt Balance Over Time
Visualize how your total remaining debt changes each month under the current payoff strategy.
Payoff Projection Methods
These projections simulate different strategies for paying off your debts.
Current Plan
Simulates your debts exactly as they are entered. Each debt receives the monthly payment you specified, allowing you to see how long your current plan will take and how much interest you will pay.
Snowball Method
Prioritizes the smallest balances first. When one debt is paid off, its payment amount is rolled into the next smallest balance. This method can build motivation by creating quick wins.
Avalanche Method
Prioritizes debts with the highest interest rates first. This approach usually minimizes the total interest paid over time and is often the mathematically fastest way to eliminate debt.
Optimized Rollover
Tests each rollover option with payoff simulations and directs freed payments to the remaining debt that minimizes projected interest, using payoff time and rate as tie-breakers.
Current Debts
Saved debt entries will appear here.
No debts added yet.