Debt-Free 1.4 walkthrough
Your First Private Payoff Plan: Two Debts, Avalanche, and No Bank Connection
You can try the complete free path with invented numbers: enter two debts, review an Avalanche estimate, and see what a recurring extra payment changes. Debt-Free does not connect to a bank, verify a lender balance, or move money.
Start with this fictional two-debt example
The names and numbers below are invented. They let you learn the workflow without sharing your lender, account number, or personal financial situation.
Fictional debt
Rewards card
- Starting balance
- $6,500
- APR
- 27.49%
- Required payment
- $195 monthly
Fictional debt
Small personal loan
- Starting balance
- $1,200
- APR
- 8.50%
- Required payment
- $50 monthly
Optional scenario input: add a fictional $200 recurring extra payment. Treat the result only as a demonstration of how an estimate responds to the values entered.
What the free plan does
- Add up to two debts. Enter a label, confirmed balance, APR, required payment, and any optional due-day context manually.
- Review Avalanche priority. The free plan prioritizes higher APR while continuing to represent each required payment.
- Explore recurring and per-debt extras. Change a planning input and inspect the revised estimated date and interest.
- Track a confirmed payment. Recording a payment reduces the balance stored in Debt-Free exactly once and keeps a payment-history record.
- Reconcile separately. Compare the tracked balance with the current lender statement. Interest, fees, posting time, purchases, credits, and lender allocation can differ.
Free versus optional Lifetime
Free download
Build and maintain a useful two-debt Avalanche plan
- Up to two debts
- Avalanche calculation
- Recurring and per-debt extra-payment exploration
- Freed-payment choices and confirmed payment history
- Progress, earned milestone sharing, Home Screen widget, and portable JSON backup/restore
Optional purchase
Debt-Free Lifetime — $4.99 once
- Unlimited debts
- Snowball and My Order comparison
- Future-start and one-time scenarios
- Direct debt targeting, reminders, detailed schedules, and plan export
No subscription. No renewal. Apple handles the purchase, and Restore Purchases remains available.
Privacy and accessibility
- No Nash account, bank connection, advertising, or third-party analytics SDK is required for the app.
- Debt names, balances, rates, plans, and reminders remain on the device. Exported files leave only through an Apple sharing or file action you initiate.
- This guide uses semantic headings, lists, descriptive image text, visible keyboard focus, and responsive layouts. The app has been checked with large-text layouts and accessibility trees; that is not a claim of a complete physical VoiceOver traversal.
- For a real plan, avoid placing lender logins, account numbers, or other identifiers in labels or support messages.
Ready to try the fictional walkthrough?
Debt-Free 1.4 is live for iPhone on the U.S. App Store. The download is free, and the two-debt Avalanche path above does not require Lifetime.
Keep the estimate honest
Refresh the plan whenever a balance, APR, required payment, fee, promotional term, planned extra payment, or other circumstance changes. The five-number payoff-plan checkup and browser-local worksheet can help you review the inputs without uploading or storing them.
Boundary: Debt-Free is an educational planning tool. It does not provide financial, legal, tax, credit, or debt-relief advice; move payments; negotiate with creditors; or guarantee a payoff date or savings amount.