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Debt Free –Pay Off Debt Faster

Debt Free –Pay Off Debt Faster

Debt Snowball & Payoff Tracker

1K ratings
251 reviews
📊 Productivity
💰 Finance
Free
In-App Purchases

Price history

Details

  • Released
  • Updated
  • December 15, 2010
  • September 24, 2026

Features

Developer

Mobile Innovations LLC
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Debt Free –Pay Off Debt Faster screenshot #10 for iPhone
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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

Summarized from real user reviews of Debt Free. Based on 1K reviews and a 4.1/5 average, it highlights the 5 positives and 5 negatives reviewers mention most about this Finance app.

Positive things

  • 👍Helpful for estimating payoff dates
  • 👍Detailed debt repayment plans
  • 👍Motivating to see progress
  • 👍Easy to use and manage debt
  • 👍Useful for tracking and prioritizing debt

Negative things

  • 🐛Inaccurate debt calculations
  • 🐛Sync issues between devices
  • 🐛App crashes and bugs
  • 🐛Outdated and no longer functional
  • 🐛Clunky and outdated user interface
See all reviews
+2

What's New in Debt Free

8.2.1

September 24, 2026

• Next payment date is back on every unpaid debt in your list. • Overdue debts are flagged clearly — and stay flagged until they're paid. • A skipped month no longer slips by: last month's payment doesn't count as this month's. • The AI Coach no longer suggests questions about debts you've already cleared. • Your average APR counts only what you still owe. • "Hey Siri, record a payment" can offer the minimum, your last payment, or the full balance. • Clearer colours and VoiceOver on the due-date line.

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Subscription plans

Pro Upgrade

Unlock Family sharing ,AI Insights,unlimited everything

$1.991 Month
7 Days trial
How to cancel Debt Free subscription ⁉️

User reviews

Most RecentHighest RatedLowest Rated

Love this app but premium features are inaccessible

Try to get premium but won’t let you pay for it. Keeps giving an error.
jtri5jtri5

Changed

It sucks now
MarchMattMarchMatt

Loving the newest version of this app, however did you know…

I’ve been using this app for years, loved it before, and love your latest version/upgrade even more!!! So many features and that’s not even Premium (considering it, though). Listen, has anyone else mentioned that October 2026 does not show up in the payoff plan, payment section, or anywhere? As far as I can see, all the other months show, to include October 2027! Weird, right?
Show more
IamYvetteMarieIamYvetteMarie

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.
Mr Terry2Mr Terry2

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!
mwlesmwles
See 246 more reviews

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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.