Pay It Down Sooner

Pay It Down Sooner

Loan & mortgage payoff planner

Add €500 a month to your loan and see how many years sooner it's paid off and how much interest you save. A clear, offline loan calculator.

Download on the App Store

Free for iPhone · iOS 17 or later · No account, ads or tracking

Pay It Down Sooner: Every number, explained
Pay It Down Sooner: Pay it off years sooner
Pay It Down Sooner: Compare side by side
How it works

Pay It Down Sooner is a precise, offline calculator for fixed-rate loans with monthly repayments: mortgages, car loans and personal loans.

01

The numbers that matter

  • Monthly payment, total repayment and total interest, updated as you type
  • A split bar shows how much of what you repay is principal and how much is interest
  • Choose the loan currency and the date of the first payment
02

Pay it off faster

  • Add an extra amount every month, a one-time lump sum, or both
  • See the new payoff date, how many years and months sooner you finish, and how much interest you save
  • Payoff bars compare the loan with and without your extra payments
03

The full schedule

  • Every payment, month by month: payment, principal, interest, any extra and the remaining balance
  • Rounding is reconciled in the final payment, so the balance ends at exactly zero
04

Compare scenarios

  • Save calculations with a name, such as "Home loan, 25 years" or "Car loan at 6%"
  • Open, edit, rename or delete them at any time
  • Compare two scenarios side by side, including payoff time and interest saved
05

Private and offline

No account, no ads, no tracking. Everything is calculated and stored on your iPhone.

Results are estimates for fixed-rate loans with monthly repayments. They don't include lender fees, insurance, taxes or other charges, and they are not financial advice.

Screenshots

Every number, explained.

Pay it off years sooner: See the time and interest an extra payment saves.Every number, explained: Principal, interest, extra paid and the last payment.Save every scenario: Home loan, car loan, a lower rate: keep them all.Compare side by side: Monthly payment, payoff time and total interest.
Support

Help & contact

Do I need an account?
No. There is no sign-in and no account. Open the app and start.
Where is my data stored?
Only on your iPhone. Pay It Down Sooner has no servers, no cloud sync and no analytics, so nothing you enter is sent to us or anyone else.
Is this financial advice?
No. Results are estimates for fixed-rate loans with monthly repayments and don't include lender fees, insurance, taxes or other charges. Check figures with your lender.
Does it cost anything?
No. The app is free, with no ads, subscriptions or in-app purchases.
What happens if I delete the app?
Deleting the app deletes its data from your iPhone. If your iPhone is backed up to iCloud or a computer, that backup may still contain the app's data, as with any app.

Need help?

Questions, bug reports or ideas: email info@saltenis.dev and include your iPhone model and iOS version if something isn't working.

We usually reply within a few working days.