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.
App Store link pending verificationThe public download link will activate only after the exact signed-out storefront is independently verified.
Available now through Apple TestFlight. App Store launch is coming after beta validation. TestFlight purchases are free and never create a real charge.
Lifetime Access$4.99 lifetimeOne purchase. No renewal.
Built for real life
Useful before you ever pay.
Two debts, the full avalanche calculation, extra-payment impact, payoff estimate, backup, and a Home Screen widget.
Compare strategies
Understand avalanche and snowball plans without financial jargon.
Track real progress
Update balances, record payment notes, and recognize milestones.
Private by design
No bank connection, account, advertising, or tracking.
A closer look
See how it works.
One useful beta mission
Try one real task. Tell us one useful thing.
What to try
Use sample debts, move the extra-payment slider, and compare the avalanche and snowball estimates.
What to tell us
Did the scenario clearly show what changed and when each debt was estimated to be paid?
If something fails, include your iPhone model, iOS version, exact steps, expected result, and what happened instead.
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.
Designed for iPhone with iOS 17 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.
What stays free?
Two debts, avalanche calculation, extra-payment scenarios, a payoff estimate, backup, and a Home Screen widget.
Help shape version 1
Try Debt-Free before launch.
Test the current beta build, then send feedback directly through TestFlight or the private support form.