# Pay It Offward

> Pay It Offward (iPhone/iPad app by Brainmonger LLC.)

- Source: https://appshunter.io/ios/app/pay-it-offward/id6805724874 (this page in markdown: same URL + `.md`)
- Developer: [Brainmonger LLC](https://appshunter.io/developer/1847106128)
- Category: Finance
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 15.0 · 37 MB
- Languages: American English
- Released: 2026-10-28
- Data updated: 2026-10-28

## What is Pay It Offward?

See the day every payment stops costing you money

Pay It Offward tracks the recurring payments you're working to pay off - the car loan, the 401k loan, the financed sofa - and shows you exactly when each one ends and how much monthly cash it frees up. Not another budget app. A payoff timeline.

## YOUR PAYOFF TIMELINE
• Every commitment in order, with the month it ends
• Running total of the monthly cash freed as you scroll
• "Next to free up" carousel so the nearest win is always in front of you
• Estimated payoff dates filled in automatically from the numbers you already have

## PAYMENT TRACKING
• Weekly, biweekly, and monthly payments, shown as one comparable monthly figure
• Total cost and total interest per loan, and across everything
• Minimum monthly payment rules, flat or percentage of balance
• Mark a commitment paid off early and watch the money free up
• Completed payments kept, with a running total of what you've already freed

## PLAN THE ORDER
• Snowball and Avalanche compared side by side, with the difference explained
• What-if planning: redirect freed cash to accelerate the next payoff
• Monthly projections of where your cash goes as commitments end

## BUILT TO STAY OUT OF YOUR WAY
• Free to download, with no subscription
• Works offline - sign in only if you want sync across devices
• Reminders when money is about to free up
• No ads, no trackers, no analytics SDK

## PRO
One-time purchase. No subscription, no renewal. Unlocks unlimited active commitments, advanced cash-freed projections, Snowball and Avalanche comparisons, and what-if planning. Buy it once, restore it on every device.

## PRIVACY
Your data is private. We never sell your information. There is no advertising and no analytics SDK. Sync is optional - use the app without an account and nothing leaves your device. You can delete your account and its cloud data yourself, at any time, without installing the app.

Privacy Policy: https://brainmonger.com/payitoffward/privacy/
Terms of Use: https://brainmonger.com/payitoffward/terms/

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Pro | $9.99 | one-time |


## Is Pay It Offward safe?

Not enough ratings yet to assess Pay It Offward.

## Is Pay It Offward legit?

Pay It Offward appears legitimate, with a few gaps. The AppsHunter Legitimacy Score for Pay It Offward is 65 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 1 release)

### 1.0.0 — 2026-10-28

No release notes.

## More apps by Brainmonger LLC

- [Notary Tracker: Signing Agent](https://appshunter.io/ios/app/notary-tracker-signing-agent/id6754209310)
- [Spective Home](https://appshunter.io/ios/app/spective-home/id6767915973)
- [Spective Sessions](https://appshunter.io/ios/app/spective-sessions/id6793770792)

All apps by Brainmonger LLC: https://appshunter.io/developer/1847106128

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-10-28.*