DebtFree: Debt Payoff Planner

Take control of your finances and crush your debt with DebtFree — the all-in-one debt payoff planner, budget tracker, and financial coach. Whether you're tackling credit cards, student loans, or mortgages, DebtFree gives you the tools and strategies to become debt-free faster.

KEY FEATURES:

• Debt Payoff Calculator — Compare Snowball vs. Avalanche strategies side-by-side. See exactly how much time and interest you'll save with each approach.

• Budget Tracker & Expense Logger — Set monthly budgets by category, log expenses, and get over-budget alerts to stay on track.

• What-If Scenario Planner — Model extra payments or lump sums before committing. See the impact on your payoff timeline instantly.

• AI Debt Coach — Get personalized financial advice powered by AI. Ask questions about your debt situation and receive tailored guidance.

• Savings Goals — Create SMART savings goals with target amounts, dates, and priority levels. Track your progress visually.

• Debt Consolidation Calculator — Compare your current debts against a consolidation loan. Get a data-driven recommendation on whether consolidation makes sense for you.

• Amortization Schedules — View month-by-month payment breakdowns showing principal, interest, and remaining balance for each debt.

• Achievements & Streaks — Stay motivated with 16 unlockable achievements and activity streaks. Celebrate milestones like your first payment, first debt paid off, and more.

• Financial Education — 15 in-depth articles covering interest rates, the 50/30/20 rule, emergency funds, credit scores, and life after debt.

• Dashboard — See your complete financial picture: net worth, financial health score, debt-free countdown, expense breakdown charts, and smart insights.

• Couples Mode — Manage debt together with your partner using shared groups and invite codes.

• Home Screen Widget — Check your total debt balance at a glance without opening the app.

WHY CHOOSE DEBTFREE?

• Two proven payoff strategies with visual comparison
• Smart insights that adapt to your financial data
• Works offline — no account required for core features
• Multi-currency support for users worldwide
• CSV import/export for easy data portability
• Cloud backup to keep your data safe across devices
• PDF export of your payoff roadmap
• Dark mode for comfortable use anytime
• No ads for premium users

PERFECT FOR:

• Anyone paying off credit cards, student loans, auto loans, or mortgages
• Couples managing debt together
• People who want a clear payoff plan with a debt-free date
• Budget-conscious users tracking expenses alongside debt payments
• Anyone seeking motivation through gamification and AI coaching

Download DebtFree now and start your journey to financial freedom!

Recent changes:
• Debt payoff plans now roll freed-up payments into the next debt correctly
• Amounts typed with a comma decimal (12,50) are accepted
• Premium is restored automatically when the app opens