Debt Payoff Tracker - DebtFree

DebtFree is a private debt payoff planner for iPhone. It helps you organize credit cards, personal loans, student loans, auto loans, medical bills and mortgages, then turns those balances into a clear plan built from your numbers.

TURN DEBT INTO A DATE
• Compare the Debt Snowball, Debt Avalanche and your own custom payoff order
• See an estimated debt-free date, projected interest and what to pay next
• Follow a month-by-month table showing payments, principal, interest and balance
• Record regular, extra, partial, principal-only and lump-sum payments
• Test an extra payment before changing your active plan

WHEN REAL LIFE CHANGES THE PLAN
Debt payoff rarely follows a perfect spreadsheet. Plan around paydays, essential commitments and a safety buffer. Schedule recurring extras, one-time income, reduced-payment months or a temporary return to minimum payments. DebtFree previews how a change may affect your date and estimated interest before you apply it.

ARE YOU STILL ON TRACK?
Compare the projected balance with your latest statement. If interest, fees or timing changed the result, DebtFree records a transparent adjustment and rebuilds the future plan without erasing payment history. Calculation explanations show the information and assumptions behind each projection.

PRIVATE BY DESIGN
No bank connection or DebtFree account is required. Core financial data stays on your device by default. There are no third-party ads or tracking. Premium includes manual backup and restore through your personal iCloud account.

READY FOR iOS 27
Built with the iOS 27 SDK for the latest iPhone experience, including native navigation, privacy-first Siri Shortcuts, configurable widgets and on-device intelligence on supported devices. DebtFree continues to support iOS 16.2 and later.

FREE & PREMIUM
New free users can track up to 3 active debts, record payments and use essential payoff planning and basic Debt Coach explanations. Premium adds unlimited debts, adaptive weekly planning, payday planning, saved scenarios, advanced analytics, custom ordering, statement and CSV imports, exports, widgets, and manual iCloud backup and restore.

Eligible monthly and annual plans may include a 3-day free trial. Any available trial, local price and billing period are shown before purchase. Payment is charged to your Apple ID. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period and can be managed in Apple ID settings.

DebtFree provides estimates and educational information based on the details you enter. It does not provide financial, legal, tax, credit-repair, lending or debt-settlement advice.

Support: https://sunnysaas.github.io/debt-free/support.html
Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Privacy Policy: https://sunnysaas.github.io/debt-free/