Support Center

How do I add my first debt?

To add a debt:

1. Tap the Debts tab at the bottom
2. Tap the + button in the top-right
3. Select your financial institution (or create a custom one)
4. Enter your debt details: name, balance, APR, minimum payment
5. Optionally add due date for reminders
6. Tap Save

How do I set up my financial profile?

Your profile helps calculate personalized payoff strategies:

1. Tap the Dashboard tab
2. Tap the person icon in the top-right
3. Enter your monthly or yearly net income
4. Set your monthly debt budget (how much you can pay toward debt)
5. Choose your preferred strategy (Snowball or Avalanche)
6. Set your emergency fund goal
7. Tap Save

How do I log a payment?

There are two quick ways to log payments:

Option 1 - From Debt List:

1. Go to the Debts tab
2. Swipe LEFT on any debt
3. Tap the green Log Payment button

Option 2 - From Debt Detail:

1. Tap on a debt to view details
2. Tap the Log Payment button

Then enter the payment amount, date, type, and any notes. The app will automatically calculate your new balance!

What are payment types?

• Regular Payment: Your typical payment
• Extra Payment: More than your minimum
• Windfall/Bonus: Tax refund, bonus, or other large payment
• Minimum Only: When you can only pay the minimum

What's the difference between Snowball and Avalanche?

Debt Snowball:

• Pays off smallest debts first
• Provides quick psychological wins
• Keeps you motivated
• May pay slightly more interest

Debt Avalanche:

• Pays off highest interest rate debts first
• Saves the most money on interest
• Mathematically optimal
• First payoff may take longer

Use the Compare tab to see both side-by-side and choose what works best for you!

How do I run "what if" scenarios?

1. Go to the Scenarios tab
2. View your current baseline payoff plan
3. Enter an extra monthly payment amount (e.g., $200)
4. Optionally add a one-time windfall amount
5. Tap Run Scenario
6. See how much time and interest you'll save!

How do payment reminders work?

PayoffPilot can remind you before your payments are due:

• When you add a debt with a due date, a reminder is automatically scheduled
• You'll receive a notification 3 days before each payment is due
• The notification includes the debt name, institution, and amount
• When you pay off a debt, reminders are automatically canceled

To enable notifications, go to your iPhone Settings > PayoffPilot > Notifications and turn them on.

How do I export my payment schedule?

1. Go to the Compare tab
2. Tap the share icon in the top-right
3. Choose what to export:
   • Snowball schedule
   • Avalanche schedule
   • Debt summary
4. Share via AirDrop, email, save to Files, or print

PDFs include detailed payment schedules, interest calculations, and debt-free dates!

What achievements can I unlock?

PayoffPilot celebrates your progress with confetti and achievements:

• 🎉 First Payment: Log your first payment
• 🎊 Debt Paid Off: Completely eliminate a debt
• 💪 25% Complete: Pay off a quarter of your total debt
• 🔥 Halfway There: Reach the 50% milestone
• 🚀 75% Complete: Almost debt-free!
• 🏆 ALL DEBTS FREE: The ultimate achievement!

Where is my data stored?

All your financial data is stored locally on your device using Apple's secure SwiftData framework. Your data never leaves your device unless you:

• Enable iCloud sync (optional, end-to-end encrypted)
• Export a PDF and share it yourself

We have no access to your data. See our Privacy Policy for details.

How do I delete all my data?

1. Tap the Dashboard tab
2. Tap the gear icon (top-left)
3. Scroll to the bottom
4. Tap Reset All Data
5. Confirm the action

Warning: This permanently deletes all debts, payment history, and profile data. This cannot be undone.

The app won't calculate my payoff schedule

Make sure you've:

1. Added at least one debt
2. Set up your financial profile with income and budget
3. Set a debt budget greater than your total minimum payments

If your monthly budget is less than your minimum payments, the app will show an error message asking you to increase your budget.

I'm not receiving payment reminders

Check these settings:

1. Ensure you've added a payment due date to your debts
2. Check iPhone Settings > PayoffPilot > Notifications is enabled
3. Make sure "Allow Notifications" is turned on
4. Check that your due date is in the future (not past)

How do I edit a debt?

1. Go to Debts tab
2. Tap on the debt you want to edit
3. Tap Edit in the top-right
4. Make your changes
5. Tap Save