Debt Free –Pay Off Debt Faster

Debt Free –Pay Off Debt Faster

Debt Snowball & Payoff Tracker

976 ratings
248 reviews
$0.99 Free
In-App Purchases

Price history


Details

  • Released
  • Updated

Features

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About

This app helps you organize, monitor, and pay off your debts using the debt snowball method. Analyze repayment models to predict your debt-free date and save time and money. Includes built-in calculators for monthly payments, loans, and mortgages.

Debt organization and monitoring
Debt snowball payoff method
Debt repayment modeling
Payment due date notifications
Multiple payoff strategies
Built-in financial calculators
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What users say

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What's New in Debt Free

7.8

July 16, 2026

What-If Simulator — windfall fix Adding a one-time windfall (a bonus, tax refund, or extra payment) to a What-If scenario now correctly updates your payoff date and total interest. Previously the windfall was ignored, so the scenario looked the same as your current plan. You'll now see the real impact of putting a lump sum toward your debt — applied to the debt you choose, or automatically to whichever debt your strategy targets first. Easier multi-device recovery Reinstalled the app or set up a new device? DebtFree now automatically restores your household plan from iCloud, and if it needs a hand there's a new "Restore Previous Household" option so you can pick up right where you left off. Clearer syncing across devices Added a helpful reminder when deleting a debt: if you use DebtFree on more than one device, make the change on one and give it a moment to sync before opening the app elsewhere — so your changes stick everywhere. Plus general bug fixes and reliability improvements. Thanks for using DebtFree — we're rooting for you on your debt-free journey.

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User reviews

Debt Free

The old version of debt free was simple and was much easier to navigate and amortize. This version sucks to put it bluntly. Would not and will not recommend to anyone.

Nifty App !

Very pleased with this app for tracking my car loan to pay off early. Works good! Very good especially for a free app!

10 years in, still the only money app I keep

I downloaded Debt Free back in 2015 when I was drowning in credit card balances, and it's the one app that survived every phone upgrade since. Paid off the original debt, and now I use it any time I take on something new — a car, a small loan — just to keep a payoff plan in front of me. It's been updated steadily over the years but never lost what made it work: simple, private.Rare to find a developer who sticks with an app this long and keeps it honest. If you're just starting your payoff journey, this is the one. Keep up the good work!
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Great App

User friendly for the most part. Had a little trouble finding where to enter payments made, I blame that little hiccup on my age and lack of tech savvy. Overall a very useful and helpful tool for my financial planning.

Easy to maintain and understand

Been using this app for years. When recent update happened I thought I was going to have to find something else but after I got familiar with it, I like just as much if not better than before. Highly recommend!

Developer apps

User experience

🐞

Reported Bugs

4 issues

Incorrect debt payoff dates

Bug

Payments not properly credited

Bug

Compatibility issues with iOS 8 and newer

Bug

Debt balance calculations not accurate

Bug

Requested Features

4 requests

Add biweekly/weekly payment options

Feature

Improve reporting and export functionality

Feature

Implement password reset/recovery

Feature

Provide better customer support

Feature

FAQ

What does the Debt Free app do?

The Debt Free app helps users organize, monitor, and pay off their debts using the debt snowball method. It allows you to analyze repayment models to see when you can become debt-free and includes tools to help save time and money.

What are the key features of the Debt Free app?

Key features include organizing and monitoring multiple debts, utilizing the debt snowball method with various payoff strategies, setting payment due date notifications, and tracking progress with visual reports and charts. It also includes three built-in calculators for payoff dates, loans, and mortgages.

How much does the Debt Free app cost?

The app is available for free and includes in-app purchases. Specific costs for any premium features or functionalities are not detailed in the provided description.

Is the Debt Free app compatible with multiple devices?

Yes, the app is a Universal Binary, meaning it is designed for both iPhone and iPad devices, so you do not need to buy separate apps for each. It also allows users to sync data between devices.

Who is the Debt Free app designed for?

This app is designed for individuals who are serious about paying off their debt and are looking for a structured method to manage their finances and achieve financial freedom. It is particularly useful for those who want to understand their debt situation and plan their repayment effectively.