Track your car loan payoff—with charts you can scrub
LoanTrail Auto Loan Tracker is a private iOS app for borrowers who already have a car loan—not a dealer payment calculator. Log payments you make, customize six payoff chart views, and try extra-principal scenarios before you pay. No bank login and no lender sync.
Six dashboard charts
The dashboard shows three chart types at a time in a segmented control—the same pattern as LoanTrail Mortgage Tracker, focused on paydown rather than home value. Tap the pencil icon to customize your three slots, or open Details for a larger chart and a 2×3 grid to browse all six. Charts are built from payments you log and loan terms from setup—not imported from your lender.
| Chart | What it shows |
|---|---|
| Schedule vs. actual | Whether your logged payments put you ahead of or behind the original amortization schedule. Useful from day one, even before your first payment. |
| P & I paid | Cumulative principal (including extra principal) and interest paid over time. |
| Monthly breakdown | Stacked totals per calendar month: principal, extra principal, interest, and optional late fees when you enter them from statements. |
| Extra principal | Monthly bars of extra principal only—spot the months you paid ahead. |
| Total paid | Running total of all logged payment amounts (principal, interest, extra principal, late fees). |
| % paid | Percent of original principal paid down over time, including extra principal. |
Default dashboard slots: Schedule vs. actual · P & I paid · Monthly. Scrub any chart to inspect a date or month; swap in Extra, Total paid, or % paid anytime via customize or Details.
What you can do
- Set up your vehicle and loan with a wheel date picker for loan start, 36 / 60 / 72-month term presets (or custom 12–96 months), and a scheduled payment auto-calculated from amount, term, and APR until you edit it.
- Log monthly payments quickly, including principal-only entries and optional late fees from statements.
- See Next log date on the dashboard—including before your first payment is logged.
- Use payment history catch-up for loans older than six months with little logged history (draft, review, apply).
- See estimated balance, principal paid, interest paid, and projected payoff on the dashboard.
- Run one-time and recurring extra-principal what-if scenarios on the Payoff tab.
- Track multiple auto loans with the vehicle switcher.
- Use demo mode to explore all six chart types in Details before entering your own loan.
- Back up and restore app data when you replace your iPhone.
- Add an optional Home Screen widget with privacy controls in Settings.
- Share a payoff win card with privacy toggles when you hit a milestone.
- Get a gentle in-app reminder when your expected monthly log date has passed.
Private by design
Your auto loan ledger stays on your device unless you export a backup, email support, or choose to share a celebration card. LoanTrail does not require an account and does not connect to your bank or lender.
Try demo first
Open Try demo from the welcome screen to see realistic sample data, switch dashboard chart slots, open Details to try Extra or % paid, and log a payment—without entering personal information.
Important
LoanTrail Auto Loan Tracker is for personal planning and education. Charts and payoff dates are estimates from your logged payments and loan setup—they are not official lender payoff quotes. The app does not provide credit reporting, refinancing, tax, or legal advice. It does not track vehicle value or depreciation in v1.