Pay off debt faster with a simple debt payoff app.
Debt Free is a debt payoff app for iPhone and iPad that uses the proven debt snowball method and debt avalanche strategy to build a clear payoff plan, track every payment, and show your exact debt-free date.
Everything you need to
get out of debt for good.
From tracking your first dollar to celebrating your last payment — Debt Free has the tools to keep you focused, motivated, and moving forward.
Visual Progress Tracking
Watch your debt shrink in real time. Progress bars, pie charts, and a live debt-free countdown keep your goal front and center every single day.
Payment Due Reminders
Never miss a payment again. Set due-date notifications for each debt, with color-coded urgency indicators — red for overdue, orange for coming soon.
Amortization Table
See every future payment mapped out — interest, principal, and remaining balance — so you understand exactly where your money is going.
iCloud Sync
Start on your iPhone, check in on your iPad. Your entire debt plan stays in sync across all your Apple devices, automatically and securely.
Four Proven Payoff Strategies
Choose the strategy that fits your psychology and financial situation. Debt Free models each one so you can see exactly how much time and interest you'll save before committing.
Small wins that build
into big momentum.
The Debt Snowball is simple, powerful, and psychologically proven. Here's how it works inside Debt Free.
List all your debts
Add each debt — credit cards, car loans, student loans, medical bills — with balance, interest rate, and minimum payment.
Pay minimums on everything
Keep all debts current. Debt Free tracks each due date and shows your total monthly commitment at a glance.
Attack the smallest debt first
Throw any extra money at your smallest balance. When it's gone, that freed-up payment rolls into the next debt.
Watch the snowball grow
Each debt you eliminate accelerates the next. By the time you reach your largest debt, you're throwing everything at it.
People just like you,
debt free.
Don't take our word for it. Here's what customers who've used Debt Free to take control of their finances have to say.
"This app changed the way I viewed money. It helped me stay focused and pay off $13,500 in 5 months. By far the most well developed debt payoff program I've come across."
"I've been using this app for several years now and it's amazing. The developers were very quick to respond when I had feedback — not many app developers respond like that!"
"Super simple to use. Just enter your debt and it tells you how much you have and how soon you can pay it off. It really opened my eyes to my debt situation and gave me a clear plan."
Start free. Upgrade
when you're ready.
The core app is completely free. Unlock Premium features for the price of a coffee — and save thousands in interest.
- ✓Track unlimited debts
- ✓Debt Snowball & Avalanche strategies
- ✓Progress bars and debt summary
- ✓Payment due date reminders
- ✓iCloud sync across devices
- ✓3 built-in finance calculators
- ✓Amortization table
- ✓Everything in Free
- ✓AI Debt Coach (iOS 26)
- ✓What-If Simulator
- ✓Debt Freedom Heatmap
- ✓Advanced Charts & Analytics
- ✓PDF Reports & CSV Export
- ✓Home Screen Widget
- ✓Bill Tracking
- ✓Smart Payoff Nudges
- ✓Everything in Free
- ✓AI Debt Coach (iOS 26)
- ✓What-If Simulator
- ✓Debt Freedom Heatmap
- ✓Advanced Charts & Analytics
- ✓PDF Reports & CSV Export
- ✓Home Screen Widget
- ✓Bill Tracking
- ✓Smart Payoff Nudges
Tools that accelerate
your path to zero.
AI Debt Coach
On-device, personalized payoff advice powered by Apple Intelligence. Requires iOS 26.
What-If Simulator
See how an extra $100/month or a $2,000 bonus changes your debt-free date — instantly.
Debt Freedom Heatmap
A visual calendar showing month-by-month impact on your payoff timeline.
Bill Tracking
Track all your recurring bills alongside debts so you see exactly how much goes toward payoff.
PDF Reports & CSV Export
Generate shareable debt reports and export your data to Excel anytime.
Home Screen Widget
Track your debt-free countdown and progress ring right from your iPhone home screen.
Questions about the
Debt Free app.
Quick answers about how Debt Free helps you track debts, record payments, and reach your debt-free date faster.
What is the Debt Free app?
Debt Free is a debt payoff app for iPhone and iPad that helps you organize balances, record payments, compare debt snowball and debt avalanche strategies, and see your debt-free date.
Does the app use the debt snowball method?
Yes. Debt Free supports the debt snowball method, debt avalanche, highest balance first, and a custom payoff order so you can choose the strategy that fits your goals.
Can I see when I will be debt free?
Yes. After you enter your debts and payments, Debt Free calculates a projected debt-free date and shows how extra payments can shorten your timeline and reduce interest.
Does Debt Free work on iPhone and iPad?
Yes. Debt Free is available for iPhone and iPad, supports iCloud sync, and helps you manage your payoff plan across your Apple devices.
See how Debt Free works
Track progress, plan payoff, record payments, and reach your debt-free date faster.
Your debt-free life
starts right now.
Join thousands of people who used Debt Free to take control, make a plan, and actually stick to it. Free to download, free to start.