Payoff Horizon

Paying off a loan and saving for something you actually want are usually treated as two separate battles. Payoff Horizon treats them as one: every plan pairs a loan with the dream it is competing against, and both have to be finished on the same day. WHAT A PLAN IS A plan holds four things — what you owe, who you owe it to, what you are saving for, and the date both have to be done. From there the app works out the only number that matters each month: how much has to go to the balance, and how much has to go to the dream fund, so neither one finishes late. THE MONTHLY SPLIT No spreadsheets, no percentages to guess at. Open a plan and you see two figures: to the loan this month, to the dream this month. Log a payment or a deposit and both figures adjust immediately. AN HONEST PACE CHECK Payoff Horizon compares the pace your deadline demands with the pace you are actually keeping, and says plainly whether you are ahead, on pace, falling behind, or past the date. A timeline shows where the current pace would really land you, next to where you said you wanted to be. A WARNING BEFORE IT HURTS Tell the app what you can genuinely move each month. If the deadlines you picked demand more than that, it says so — with the exact size of the gap — while there is still time to push a date out or raise the amount. THE WHOLE PICTURE The board adds every plan into one paired gauge: total debt still open, total dream fund still to raise, and what this month costs across everything. The insight tab charts six months of loan payments against dream deposits side by side, so you can see which half has been getting your money. KEEP THE DREAM VISIBLE Attach photos of the thing you are saving toward — the trip, the workshop, the guitar, the deposit on a home — and a note about why it matters. It sits right next to the numbers, because that is the part that keeps the payments going. REMINDERS THAT RESPECT YOU Optional local reminders before a deadline closes in, plus a nudge when either half of a plan passes its halfway mark. No account, no sign-up, no marketing mail. PRIVATE BY DESIGN Everything lives on your device. There is no account to create, nothing is uploaded, and the app works fully offline. WHO IT IS FOR Anyone carrying a car loan, a student loan, a credit balance, or a family debt who is tired of putting their own plans on hold until it is gone. Clear the debt and fund the dream on the same horizon.