PaidOff 3.1 turns every month into a statement you can read, edit, and settle.

• Monthly statements: tap any month on your schedule to see that month's payments and balances in the order they happened, and what each one did to the balance. It opens on a starting figure and closes on an ending one that adds up.

• Settle it right there: confirm the payments you actually made without leaving the statement, and pull back any line you didn't mean to record.

• Real billing cycles: tell a card the day its statement closes and pick the day your payment lands. A payment made after the close credits the next cycle, the way your issuer does it.

• Loans priced like loans: interest comes off the top of the payment instead of onto the balance, and every payment now says exactly where its money went.

• Plan a loan before it starts: add a loan with a future start date and it sits in your plan from the month it opens.

• Fix the month you started from: the first month's starting balance is editable now, so a plan built on the wrong number is one tap from right.

• One set of numbers: home, your accounts, the schedule, and the statement all price from the same walk of your plan, so nothing disagrees.

• Faster and more honest: schedules price several times faster, and a card no longer reads as "never pays off" just because a month had 31 days or a promo rate ended.

Your data stays on your device.