PayOff Path

Become debt-free on your terms — or know exactly why staying invested wins, with the real numbers either way.

"Should I prepay my loan or keep investing?" is one of the most common financial questions a household asks itself, and it's usually answered with a rule of thumb — a rate threshold someone read online, or pure gut feeling. PayOff Path answers it with your own real numbers instead. Add a loan — its principal, rate, tenure, EMI — and it builds the full month-by-month amortization schedule: interest, principal, and outstanding balance for every single month, not just a rough payoff estimate.

The schedule isn't static. Add a rate change, an EMI adjustment, or a part-payment at any point in the timeline, and the entire schedule recalculates around it — so "what if I put a bonus toward this loan next March" is a question you can actually answer by trying it, not just guessing at.

At the center is the recommendation itself, shown as two strategies side by side rather than one single verdict: the mathematically optimal split between continuing to invest and prepaying the loan, and a debt-free-first alternative for households who value the real psychological weight of owing nothing, even when the pure math says otherwise. Both are grounded in your actual linked balances from For My Loved Ones and Foresight, and your household's real average monthly savings from PlanAhead — not a generic assumed return rate, and not a guessed-at "how much can you spare" figure. The result is a genuine, numbered path to becoming loan-free, sized to what you can actually put toward it each month.

Features

Full amortization schedule

Month-by-month interest, principal, and outstanding balance for the entire life of the loan — not a rough payoff-date estimate, but the real numbers for every single month between now and debt-free, exactly the way a proper loan schedule should be built.

Rate & EMI changes, part-payments

A real, editable timeline rather than a fixed schedule set once and never touched again — add a rate change, adjust your EMI, or log a part-payment at any point, and the entire remaining schedule recalculates immediately around it, so every "what if" is something you can actually try.

Two strategies, side by side

The mathematically optimal split between investing and prepaying, shown next to a debt-free-first alternative — because becoming debt-free has a real psychological value beyond the pure math, and the decision genuinely is yours to make between the two, not something to be picked for you.

Grounded in your real numbers

Pulls your household's actual linked balances from For My Loved Ones and Foresight, and your real average monthly savings from PlanAhead, to weigh the recommendation — rather than assuming a generic return rate or a guessed-at savings figure. The numbers behind the recommendation are yours, not a textbook average.