Smart Budget Pay Off is your all-in-one tool to take control of your money. Whether you’re paying off a home loan, planning your budget, or working toward financial freedom, this app helps you stay on track with simple, smart features.


Key Features:

Loan Tracker: Visualize repayments, extra contributions, redraws, offset accounts, and interest saved over time.

Budget Planner: Create flexible budgets with editable income/expense tables, categories, and recurring schedules.

Insights & AI Guidance: Run tailored financial insights from different perspectives (investor, retiree, everyday family).

Achievements & Motivation: Celebrate milestones with badges and charts as you reduce debt and grow savings.

Investment Planning: Back-test and forecast growth with “buy low, sell high” grid strategies.

Why Smart Budget Pay Off?

Easy to use, youth-friendly, and designed to motivate.

Works offline with local data storage for privacy.
Built for Australian finance rules but adaptable worldwide.

Disclaimer: Smart Budget Pay Off provides educational and planning tools only. It does not provide financial advice. Please consult a licensed professional for advice specific to your situation.