Debt Free –Pay Off Debt Faster

Pay off debt without selling your data. No ads, no tracking, no accounts required — your financial information stays on your device.

Debt Free is the iOS-native debt payoff planner trusted by 300,000+ users since 2014. Apply the Debt Snowball, Avalanche, Snowflake, or Custom strategies and see your exact debt-free date.

※ Featured by Apple in "What's Hot"

※ Featured in WIRED — App Guide

※ 100% FREE for unlimited debts — no subscription required for core features

※ Optimized for iOS 18 & iOS 26

※What Our Customers Say

※※※※※ "By far the most well-developed debt payoff planner I've used."

※※※※※ "Helped me pay off $13,500 in 5 months."

※※※※※ "Easy to use and practical."

※※※※※ "Sync across devices works perfectly."

※Pay Off Debt Faster

Eliminate credit card debt, student loans, auto loans, and mortgages using proven strategies. Track Chase, Capital One, Discover, Citi, and American Express credit cards. Pay down Navient, Sallie Mae, Great Lakes, and Nelnet student loans. Manage Rocket Mortgage, SoFi, Better Mortgage, and any auto or personal loan.

※Smart Payoff Strategies

- Debt Snowball — popularized by Dave Ramsey (lowest balance first)

- Debt Avalanche — math-optimal (highest APR first)

- Debt Snowflake — apply windfalls (bonuses, tax refunds, gifts) directly toward debt

- Highest Balance or Custom Order

- Compare strategies side-by-side to find the fastest path

※How It Works

1. Add your debts — credit cards, loans, mortgages

2. Choose a payoff strategy

3. Follow your repayment schedule

4. Track progress and become debt-free faster

※Privacy First — No Ads, Ever

- Zero data collection — your information never leaves your device or iCloud

- No third-party advertising — ever

- No accounts or sign-ups required

- Works fully offline

- Most debt apps sell or share your financial data. Debt Free doesn't.

※Built for the Apple Ecosystem

- iPhone, iPad, Mac, Apple Watch, Apple Vision Pro

- iCloud sync — one purchase across all your devices

- Apple Watch app — debt summary and next payment on your wrist

- Apple Wallet — import card transactions automatically

- Lock Screen widgets & Live Activities

- Siri Shortcuts — "Hey Siri, when's my next debt payment?"

- Spotlight search — find any debt from the home screen

- Apple Intelligence — on-device AI Debt Coach (iOS 26)

※Dashboard & Progress Tracking

- Real-time progress ring and debt-free countdown

- Daily interest cost ticker across all debts

- Visual repayment schedule with projected debt-free date

- Milestone celebrations and motivational reminders

- Monthly summary report cards

※Payment Tracking

- Record payments and update balances instantly

- Smart reminders before due dates — never miss a payment

- Auto-Pay tracking (Premium) — automatically record recurring payments

- Apple Wallet transaction import

- Payment history with full audit trail

※Financial Calculators

- Debt payoff calculator

- Loan calculator

- Mortgage calculator

※ Premium

- Balance Transfer Analyzer

- Debt Consolidation Analyzer

- Credit Score Impact Estimator

- Net Worth Tracker

※Premium Features

- AI Debt Coach — on-device Apple Intelligence coaching

- What-If Simulator — preview the impact of extra payments

- Debt Freedom Optimizer — model side income and lump-sum scenarios

- Bill Tracking — never miss a due date

- Saving Goals — track and project savings alongside debt payoff

- Weekly Plan — actionable tasks each week

- Advanced Charts, PDF reports, and CSV export

- Live Activities & Dynamic Island

- Apple Watch companion app

※Why Choose Debt Free

- Trusted since 2014 — over a decade of refinement

- 300,000+ users on their journey to $0

- Zero data collection, zero ads — guaranteed

- Works offline, no account required

- All core features free — Premium is optional

Join thousands who have paid off their debt with Debt Free.

Start your debt-free journey today.

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