Show HN: Payoff.io

payoff.io

1 point·cvalleskey··3 comments

I created this because other sites I used to track and compare debt payoff plans were missing a few features that I thought would be good to have. For one, I wanted to quickly see how minor changes to my payment plans would have a big impact in the long run. Second, I wanted the ability for the loan info to save locally, so that the next time I went to the site I could view my info without needing to log in or re-enter my info. Lastly, I wanted a schedule that told me exactly how much I should pay to each loan for each month, and to get this schedule in an easy to read format.

The site might still have a few bugs, and it could definitely use some optimization. However, I have been excited creating this and using it myself that I felt I should share it now before I added it to my list of abandoned projects.

Haha, I was just toying with an idea much like this. Do you have any interest in open sourcing this or doing further development?

PS. I can't seem to save a new Loan. The whole page freezes up when I try.

Thanks for checking it out! Yes to both of your questions. I do want to let others contribute, but I also have more features I want to add that I haven't gotten around to just yet. One would be mobile/tablet support.

I could be wrong, but there is one bug which doesn't stop you from putting in a loan which would never be paid off--based on the balance, APR, and minimum payments entered. I need to put in an evaluation before the details are submitted and pop up an error message if that's the case, but right now it locks up the browser.

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