PayJoy

PayJoy is an offline personal finance planning tool for organizing debts, installment plans, payments, income, expenses, and monthly obligations. PayJoy lets you manually enter your own financial information and review it in a structured format without registration, bank connections, lenders, applications, or online financial services. With PayJoy, you can keep track of balances, upcoming payments, repayment progress, and available monthly budget.

The PayJoy app provides a simple way to organize individual obligations by balance, interest rate, minimum payment, due date, and status. Add debt or installment records manually, review their details, record payments, update balances, and maintain personal notes. The PayJoy app does not offer loans, submit credit applications, recommend financial products, or connect you with lenders.

Build estimated repayment plans using a snowball-style approach, an avalanche-style approach, or your own preferred order. Add an extra monthly amount and review how the entered assumptions may affect the estimated payoff date, total interest, payment distribution, and monthly financial load. PayJoy download is intended to provide access to the offline planning application; the app does not retrieve financial information from external sources.

The scenario simulator allows you to test changes to income, regular expenses, additional payments, interest rates, start dates, or selected balances without changing your original records. Compare the base and adjusted scenarios by estimated timeline, total payments, interest, maximum monthly load, and months with a potential budget shortage.

The payment calculator can estimate a regular payment, repayment period, total payments, interest, and an amortization schedule from the values entered by the user. An inverse calculation can also estimate an amount based on a selected payment. These calculations are informational and do not represent an offer, approval, or guarantee.

The DTI and affordability section lets you enter monthly income, housing costs, regular expenses, current payments, and a desired reserve. The app calculates an informational debt-to-income ratio, remaining budget, and estimated additional payment capacity. If income is zero or required information is missing, the app explains why a calculation cannot be completed.

Use the installment tracker to review upcoming dates, completed payments, remaining installments, and payment amounts. Saved scenarios can be compared, renamed, duplicated, applied to a plan, or deleted after confirmation. Archived obligations remain separate from current calculations unless explicitly included in analytics.

PayJoy keeps obligations, payments, scenarios, settings, and local references exclusively on the device through shared_preferences. There are no network requests, cloud backups, remote data sources, or external financial APIs. An optional photo attachment can be added to an obligation as a local reference without text recognition or financial analysis.

Important information: PayJoy does not issue loans, approve applications, connect users with lenders, or provide financial products. All results are approximate informational calculations based on user-entered data and assumptions and should not be considered professional financial advice.