Slide through scenarios
Preview how additional monthly payments may affect time and interest.
A calmer payoff plan
See what an extra payment can change.
Compare avalanche and snowball strategies, move the extra-payment slider, and see estimated payoff dates—without connecting a bank account.
Available for iPhone and MacThe Mac edition requires macOS 14.0 or later.
Debt-Free 1.3 is available now on the U.S. App Store for iPhone and Mac. The app is free to download; two debts and the Avalanche calculation stay free, while an optional $4.99 one-time Lifetime Access purchase adds unlimited debts and Snowball comparison. There is no subscription or renewal.
Lifetime Access$4.99 onceTwo debts stay free. Lifetime adds unlimited debts and advanced payoff tools. One purchase; no subscription or renewal.
Built for real life
Useful before you ever pay.
Start free with up to two debts, the full avalanche calculation, recurring extra-payment exploration, per-debt payoff timelines, confirmed payment history, milestone sharing, a Home Screen widget, and JSON backup and restore. Optional Debt-Free Lifetime is a $4.99 one-time purchase—not a subscription—and adds unlimited debts, snowball comparison, scheduled and one-time payment scenarios, debt targeting, detailed monthly schedules, reminders, and plan export. Restore Purchases is available.
Compare strategies
Understand avalanche and snowball plans without financial jargon.
Track real progress
Record a payment to reduce the tracked balance once, preserve its history, and recognize milestones with privacy-safe share controls.
Put the plan in order
See Avalanche or Snowball priority, or sort manually by name, balance, APR, payment, or optional monthly due date. Due dates are planning context, not lender verification.
Private by design
No bank connection, account, advertising, or tracking.
A closer look
See how it works.
A 30-second product story
See the idea in motion.
Stylized campaign imagery is paired with real public app captures. Playback starts only when you choose it.
Video description: Vertical video shows colored stones forming two paths, a private weekly planning ritual, and a quiet moment of reflection, followed by the real Debt-Free payoff-plan screen and a green app end card.
Audio: Ambient audio only; there is no spoken narration.
On-screen text:
- Debt plans get loud.
- Make the next step visible.
- Track progress. Share only what you choose.
- Manual. Private. No bank connection.
Use the method before the app
A guide and a private tool for the same real task.
Both resources work without an account. The app remains optional.
Privacy & support
Your information belongs to you.
The app is designed to be useful without a developer-operated account or advertising profile.
The Debt-Free app does not collect, sell, or share the debt or financial data entered in the app. Optional support or feedback submissions are handled separately as described on the Support and Privacy pages.
Debt names, balances, rates, plans, and reminders remain on your device.
Apple processes the optional lifetime purchase; the developer never receives card details.
Calculations are estimates based on user-entered values and are not financial advice. Verify plans against current lender statements.
Before you install
Clear requirements. No surprises.
Available for iPhone with iOS 17 or later and Mac with macOS 14.0 or later.
No bank connection is required or supported.
You enter balances, rates, and payments manually.
Good to know
Frequently asked questions.
Does Debt-Free connect to my bank?
No. Your plan is based only on values you enter and remains on your device.
Are the payoff dates guaranteed?
No. They are estimates; verify amounts, rates, fees, and dates against current lender statements.
When should I refresh the plan?
Refresh it when a balance, APR, minimum payment, fee, promotional term, extra-payment amount, or other circumstance changes. Keep an as-of date with the values you enter.
Does Debt-Free decide what I can afford?
No. It models values you enter and does not assess income, essential expenses, legal rights, hardship options, or whether a payment is personally affordable.
What stays free?
Two debts, the Avalanche calculation, recurring extra-payment exploration, payoff timelines, confirmed payment history, milestone sharing, backup, and a Home Screen widget. Lifetime adds unlimited debts, Snowball comparison, and advanced planning tools.
Available now
Download Debt-Free on the App Store.
Debt-Free 1.3 is available now on the U.S. App Store for iPhone and Mac. The app is free to download; two debts and the Avalanche calculation stay free, while an optional $4.99 one-time Lifetime Access purchase adds unlimited debts and Snowball comparison. There is no subscription or renewal.