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…