DebtFree
Crush your debt. Keep your peace.
A privacy-first debt payoff tracker with five strategies — Snowball, Avalanche, Custom, and the DebtFree-original Tsunami and Blizzard. Log every balance, APR, and minimum, then watch a single freedom date move as you pay down. Multi-currency (USD, INR, EUR, GBP), a private progress score, and an optional Couples mode that merges two debt stacks into one shared payoff date. No bank links, no accounts, no subscription.
DebtFree
finance
Crush your debt. Keep your peace
Account
Not required
Analytics
Opt-in & anonymous
Your data
Stays on device
Ads & trackers
Zero
What you get
Built for exactly this — and nothing you don't need.
Five payoff strategies
Snowball (smallest first), Avalanche (highest APR first), Custom order you control, plus the DebtFree-original Tsunami and Blizzard.
What-if simulator
See how an extra payment moves your debt-free date and how much interest you save.
Payoff calendar
A month-by-month breakdown of every debt, all the way to zero.
DebtFree Score
A private 0–1000 progress gauge: not a credit score, just a measure of momentum.
Couples mode
Merge two debt stacks into one shared freedom date so a household can pay down together.
Milestones & celebrations
First payment, halfway, debt destroyed: quiet wins that keep you going.
Private by design
Multi-currency (USD/INR/EUR/GBP), biometric lock, encrypted on-device storage, and a passphrase-protected backup file. No bank links, ever.
A look inside
See it in your hands.
How it works
Up and running in under two minutes.
- 01
Add your debts
Enter each balance, interest rate, and minimum payment. Takes about two minutes — no bank login required.
- 02
Pick your strategy
Snowball, Avalanche, Custom, Tsunami, or Blizzard. See your payoff plan recompute instantly.
- 03
Watch your freedom date move
Every payment recalculates the date. The what-if simulator shows what one extra payment really buys you.
A note from the studio
“Debt-stressed households are the most anti-subscription cohort on the App Store — yet every competitor charges monthly or wants to link your bank. We built the one you pay for once and keep, that never sees your accounts.”
Questions
The honest answers.
Do I have to connect my bank?
No — and you can't. DebtFree never links to any bank or credit account. You enter balances yourself, so nothing sensitive ever leaves your phone.
Is it really a one-time price?
Yes. DebtFree Plus is a single $19.99 lifetime unlock — no subscription. The optional Couples mode is a separate one-time $12.99 add-on. Debt is stressful enough without another monthly bill.
Do you show ads or sell my data?
Never. No ads, no data sale. Product analytics and crash reports are both opt-in and off by default — and even when on, they never include your balances or lender names.
Will my data sync across devices?
Your data stays on the device you enter it on. There's no cloud account and no automatic sync. You can export a passphrase-protected backup file and move it yourself — via AirDrop, iCloud Drive, email, or anywhere you like.
What is the DebtFree Score?
A private 0–1000 gauge of your payoff momentum — built from progress, interest saved, streaks, and on-time payments. It is not a credit score and has nothing to do with FICO or your lenders.
Is this financial advice?
No. DebtFree is a planning and tracking tool. It doesn't provide financial, legal, or tax advice — for that, talk to a qualified professional.
Launching soon
Be first to know when DebtFree ships.
It'll launch at Pay once — lifetime. Free tier: track up to 2 debts with the snowball method and a basic payoff projection.
One email when it lands on the store. No drip sequence, no spam.
No spam. No tracking. Email only — unsubscribe with one click.
Your debts, balances, and payment history are stored locally on your device (MMKV preferences plus an on-device SQLite database). There is no server copy.
From the journal
Notes on make the money behave.
- 01
Why Minimum Payments Keep You in Debt — and the Number Quietly Working Against You
Why minimum payments keep you in debt: the anchoring effect on your statement quietly pulls your payment down. Here's the psychology, and how to take that number back.
2026-06-11
7 min read
- 02
Staying Motivated Through the Long Middle of Debt Payoff
Staying motivated paying off debt is hardest in the middle, after the first win and before the finish. Here's the psychology of the messy middle and how to ride it.
2026-06-11
7 min read
- 03
How to Pay Off Credit Card Debt When the Interest Keeps Outrunning You
Learning how to pay off credit card debt means beating the minimum-payment trap. Here's why high-APR balances feel un-killable, and the order that breaks them.
2026-06-08
7 min read
- 04
How to Get Out of Debt: A Calm Beginner's Guide
A beginner's guide on how to get out of debt — what APR and minimums really mean, how payoff order works, and the first steps that turn dread into a plan.
2026-06-03
7 min read
- 05
Why Most Debt Payoff Plans Quietly Fail by March
Most debt payoff plans fail not from a lack of effort but from how they're built. Here are the structural flaws that doom a plan — and how to build one that holds.
2026-05-29
7 min read
- 06
Mental Accounting and Why Your Debt Feels Bigger Than It Is
Mental accounting in debt is why scattered balances feel heavier than one total. Understanding how the mind buckets money is the first step to thinking clearly.
2026-05-24
7 min read
- 07
Should You Pay Off Debt or Save First? The Question Is Wrong
Should you pay off debt or save first? The all-or-nothing framing trips people up. Here's the small-buffer logic that keeps a payoff plan from collapsing.
2026-05-19
7 min read
- 08
Debt Snowball vs Avalanche: How to Actually Choose Between Them
The debt snowball vs avalanche question is usually answered with math. But the right method depends on your temperament — here's how to decide which fits you.
2026-05-13
7 min read
- 09
How to Pay Off Multiple Debts at Once Without Losing the Thread
Wondering how to pay off multiple debts without spreading yourself thin? There's one mechanism underneath every method — the rolling payment. Here's how it works.
2026-05-07
7 min read
- 10
Debt Avoidance: Why You Keep Closing the App Before It Loads
Debt avoidance is not laziness — it's your brain protecting you from a number it doesn't know how to hold. Here's what actually breaks the loop.
2026-04-26
6 min read
- 11
How to Pay Off Debt Without the Anxiety That Keeps You Avoidant
Most people don't fail at debt payoff because they lack discipline — the anxiety wins first. Here's how to pay off debt without anxiety driving you back to avoidance.
2026-04-08
5 min read
- 12
Your Debt Freedom Date: The One Number That Actually Matters
When you're paying off debt, most people watch the wrong numbers. Your debt freedom date — the day your last balance hits zero — is the only one worth tracking.
2026-03-21
4 min read