How to Track Mortgage Payoff Progress Without Handing Your Data to a Budget App
Learn how to track mortgage payoff progress without a budget app: turn your balance into one private, on-device progress number you can watch shrink.
Read articlePrivate debt tracker · iPhone
Track what you owe. Watch it disappear.
Fade turns any mortgage, car loan, card balance, or stack of installments into one calm number — and a field of strokes that shorten every time you pay.
Fade
Example
Left to clear
428 200zł
128 000 zł cleared since the start
23% paid
More space. Less debt.
Who it's for
For anyone paying something down, slowly.
Debt is slow. If a balance only ever moves one direction, you deserve to see that movement — not a wall of transactions.
Built for
- Mortgage holderswatching a large balance fall over many years
- Car-loan borrowerstracking the gap between the loan and the car’s value
- Credit-card payersclimbing out of revolving debt one payment at a time
- Studentschipping away at a loan that feels abstract
- Installment shoppersjuggling several small plans across currencies
The problem it solves
Most tools were built for spending, not for the long, quiet work of paying a debt off. So the progress you actually care about stays invisible.
- Budget apps track spending you can’t change.
- Bank apps hide your balance behind a login and a feed.
- Spreadsheets show a number, never the space you’ve cleared.
- None of them tell you what an extra payment would really do.
What it does
See the whole debt, then watch it get smaller.
Three things Fade does that a bank app or a spreadsheet can’t.
Cleared space
Your remaining balance leads, followed by 60 strokes that shorten as you repay. No charts to interpret — just less space to cover, and the exact amount cleared since you started.
A payment in seconds
Add a payment from the home screen in a few taps. Balance, progress, and history update together — and deleting a payment restores exactly the amount it applied, not a rounded guess.
What If
Try an extra monthly amount or a one-off lump sum and see the new debt-free date before you commit. Simulations are temporary and never touch your real records.
By the numbers
1
free stored debt. Start and track your first debt at no cost — the lifetime unlock is entirely optional.
0
accounts, logins, or bank connections. Nothing to link, nothing to sync, no credentials to share.
100%
on your iPhone. Financial data lives in the app on your device and works with no connection.
Why Fade
Progress-first, not another budget.
A debt tracker should feel like watching space open up — deliberate, private, and calm. Here’s how that compares with the usual options.
| What matters | Fade | Spreadsheets | Bank & budget apps |
|---|---|---|---|
| Progress-first debt view | ✓ | — | — |
| Estimated debt-free date | ✓ | — | — |
| What If extra-payment scenarios | ✓ | — | — |
| Payoff receipt keepsake | ✓ | — | — |
| No account or bank login | ✓ | ✓ | — |
| Works offline, data stays on device | ✓ | ✓ | — |
| No ads or third-party tracking | ✓ | ✓ | — |
| One-time price, no subscription | ✓ | ✓ | — |
A comparison of how these categories of tool typically work, not a review of any specific app. Fade records principal balance reductions, excluding installment interest and fees, and labels every projection as an estimate.
Pricing
Free to start. One price to unlock everything.
No subscription, no ads, no paywalled history. Just an optional one-time purchase.
Free
Everything you need for your first debt.
$0
forever · no card, no account
- One stored debt, in any currency
- Add, edit, and delete payments
- Full recorded payment history
- Progress, milestones & basic payoff estimates
Fade Lifetime
Not a subscriptionUnlock the whole app with a single purchase.
$9.99
one‑time · everything unlocked, including future updates
- Unlimited debts, across any currencies
- What If payoff simulations
- Home Screen widgets
- Payoff receipts, PDF & social exports
- Works with everything in Free
Fade Lifetime is a one-time $9.99 purchase — pay once and keep everything, with no subscription and no further charges. The final amount is confirmed by Apple on the App Store sheet before you buy and may vary by region. Purchase and restore are handled by Apple. Buying never hides or deletes existing records: they stay readable on the device even if you never unlock.
After you buy
What Fade Lifetime adds to your iPhone.
The one-time $9.99 lifetime purchase removes every ceiling — for the debts you have now and any you add later.
Unlimited debts
Track every loan, card, and installment you owe — each in its own ISO currency, never converted or merged.
What If simulations
Compare an extra monthly payment against a one-off lump sum and see the estimated debt-free date move. Nothing is saved to your real records.
Home Screen widgets
Left to clear, Next milestone, and Debt-free estimate — in small and medium sizes. Hide amounts and names for privacy.
Payoff receipts
When a debt hits zero, Fade keeps a restaurant-style PAID OFF receipt you can revisit, export as a PDF, or share as an image.
Free is not a trial. Every record, payment, edit, and estimate stays yours whether or not you unlock.
Privacy
Private by default. Quiet by design.
What you owe is nobody else’s business. Fade is built so there is nothing to trust us with.
On your device
No backend, no account, no analytics. Fade never asks for a bank login and never connects to one.
Yours alone
Your records are never uploaded, sold, or shared. The optional purchase is processed by Apple — your data isn’t part of it.
Works offline
Fade runs with no connection and backs up with your normal iPhone backups. Nothing depends on a server staying up.
The Fade blog
Make room for progress.
Practical ideas for seeing your debt shrink and keeping your financial life private.
One less debt. More space.
Start with one debt, free. Lifetime is a one-time $9.99.
Get Fade for iPhone