A debt payoff tracker that takes 3 seconds a day
Compound is a debt payoff tracker for iPhone that asks one question a day: did you get closer to your goal today? Made an extra payment, skipped a purchase to send money toward the balance, stayed on plan — tap ↑ Closer. Your answers build a trajectory chart of your progress toward becoming debt-free, with no account linking or balance entry required. Free on the App Store.
Why debt payoff is hard to track daily
Debt apps track balances — numbers that barely move day to day, which makes daily progress feel invisible even when the underlying behavior is solid. Compound tracks the layer that actually determines whether debt gets paid off: whether today, on balance, moved you toward or away from the goal.
A loan balance updates slowly and monthly minimums make daily effort feel pointless to track — so most people stop checking, and the discipline quietly slips.
Paying off debt is won in daily decisions: the extra payment, the purchase skipped, the side income redirected. Compound tracks exactly that layer, in three seconds a day.
How Compound tracks a debt payoff goal
Name your goal — “Pay off the credit card,” “Become debt-free” — and answer the same question every evening: did you get closer today? The chart turns those answers into a visible payoff trajectory, and the stats show your progress across the whole chapter, setbacks included.
- Sent an extra payment toward the balance → ↑ Closer
- Paid the normal minimum, nothing extra → → Same
- Added a new charge instead of paying down → ↓ Further — honest data, not a failure
The point isn’t the exact balance — your bank or loan servicer shows that. The point is the daily habit of moving toward zero, made visible enough that you keep going.
What a setback looks like in Compound
You tap ↓ Further, the line dips one notch, and tomorrow the question returns exactly as calm as ever. One new charge or missed extra payment doesn’t erase months of progress — in Compound it’s a single visible dip in a longer trend, not a reason to give up on the plan.
Debt payoff is rarely a straight line — an emergency expense or a hard month can undo weeks of discipline on paper, which is discouraging if the only thing you track is the balance.
Compound keeps the setback in proportion: visible in the chart, but immediately followed by tomorrow’s ordinary question, not a lecture about the balance going back up.
Pulse sees your real spending pattern
Pulse, part of Compound Pro, reads your recent days and reflects back the pattern behind your progress — including what tends to precede a ↓ Further day.
“Your setback days cluster right after payday, not the end of the month like you assumed. Weeks you plan the extra payment in advance are consistently ‘Closer’ weeks.”
Debt payoff questions
Related ways to use Compound
Compound is a general goal & habit tracker — see everything it does →
See you tomorrow.
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