PayItOff is a small program that may be useful to those who want to set a schedule for paying off loans, credit card balances, etc.nnPayItOff calculates monthly payments based on your individual goals regarding a particular bill.nnPayItOff takes in three numbers: the balance, the interest rate, and the number of months you'd like to have to pay off that balance. It puts those figures into a simple formula for compound interest and PayItOff calculates your monthly payment.n