PayOff Pro

Hey Product Hunt! 👋 I'm Daniel, founder of PayOff Pro. The Problem: July 2023, first-time homeowner. My $378K mortgage at 5.625% would cost $783k over 30 years—$405K in pure interest. That's more than the house itself. My Obsession: I tracked extra payments in Excel from day 1. Multiple extra payments a month from side hustles, surplus budget, bonuses from main job, tax refunds, other windfalls saving me $200K+ and cut 17 years off. That spreadsheet became PayOff Pro. What Makes It Different: Not another calculator — Complete interactive tracking system that persists your extra payments through your entire amortization schedule Gamified milestones — 9 achievement levels that make mortgage payoff actually motivating Banking-grade interface — Professional tools for a serious goal Privacy-first — No accounts, no tracking, your data stays yours I've dedicated this app to my daughters, Patience and Prentice. They'll inherit a paid-off home and proof that 30 years of debt isn't inevitable. P.S. I'm 28 months (2 yrs 4m) in and already on track to save $200K. Ask me anything.