LoanTrail Auto Loan Tracker

LoanTrail Auto Loan Tracker helps you understand your car loan payoff over time—principal paid, balance vs. schedule, and how extra payments move your finish line. You enter your own payments (no bank login). Built for fixed-rate monthly auto loans with one note rate at setup. If your P&I changes (variable rate, refinance), log each statement manually—charts stay useful, but rate-schedule tools are not in this release. WHAT YOU CAN DO • Try Demo Mode (optional guided tour)—explore seven payoff charts before entering your loan • Seven charts—customize three on your dashboard; All charts shows schedule vs. actual, P & I paid, yearly P & I, monthly breakdown (month-end balance), extra principal, total paid, and percent paid down • Export payoff charts as PNG—Save to Photos or Share; light or dark; includes scrub callout and disclaimer • Loan journey on your dashboard—milestones from logged payments; customize milestones, add notes, and share a journey poster • Fast setup: payment-pattern question, wheel date picker, 36/60/72-month presets, auto-filled payment; optional vehicle year, make, and model • Log monthly payments, principal-only extras, and backdated entries; Next log date with optional custom reminder schedule when timing looks wrong • Payoff outlook with projected date and time saved vs. your original schedule • Explore Payoff: sliders or exact amounts for lump sum and extra-each-month scenarios; target date mode estimates monthly extra (illustrative, not advice) • Share a payoff win image—hide vehicle name and dates; optional milestone celebrations in Settings • Payment catch-up for loans six months or older with stable P&I and little history—draft, review, apply • Annual payment summary with per-year totals—not a tax form • Export payment history as CSV from Payments—spreadsheet ledger, not an app backup • Home Screen widget (balance, payoff, or vehicle) with privacy levels; backup and restore; multiple loans; in-app reminders with snooze (no push in v1) • Adjust monthly log reminder day from dashboard, reminder banner, or Edit auto loan • Optional app lock—Face ID, Touch ID, Optic ID, or device passcode before viewing loan data (Settings → Privacy & security; off by default) • Settings → What LoanTrail supports—what ships today and what does not TRUST & LIMITATIONS • Estimates only—not from your lender; not credit, refinancing, or tax advice • App lock gates in-app viewing; iOS handles passcode fallback. Does not encrypt the database, protect exported CSV files, or hide widget content • Payoff projections assume your setup note rate unless you log different P&I from your statement • Variable/adjustable rates, leases, and balloon loans are not fully supported—log manually when P&I changes; no catch-up auto-fill for variable patterns • Late fees are user-entered from statements—not calculated penalties • Chart and journey exports are from your logged data—not lender statements • Does not provide official payoff quotes or credit bureau data FREE VS PAID (HONEST AT LAUNCH) • Today: full features for early users—multiple loans, unlimited payments, backup, share, widget, charts, and exports • Later: a free plan at one loan and limited payments; one-time upgrade for more (no subscription)—Settings → Upgrade Start with Try demo, then set up your car loan in minutes. Questions? support@loantrail.app