# Debt-Free: Payoff Planner

> Debt-Free: Payoff Planner (iPhone/iPad app by Steven Patrick Nash.)

- Source: https://appshunter.io/ios/app/debt-free-payoff-planner/id6792603633 (this page in markdown: same URL + `.md`)
- Developer: [Steven Patrick Nash](https://appshunter.io/developer/6780430249)
- Category: Finance
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 17.0 · 3 MB
- Languages: American English
- Released: 2026-08-20
- Data updated: 2026-09-12
- User reviews in markdown: https://appshunter.io/ios/app/debt-free-payoff-planner/id6792603633/reviews.md

## What is Debt?

Debt-Free is a manual, on-device payoff planner that helps you estimate a path out of debt without connecting to a bank. Add balances, APRs, minimum payments, and optional monthly due days; compare avalanche and snowball strategies; explore extra-payment scenarios; and review estimated payoff dates and interest.

Recorded payments immediately reduce the tracked balance once and preserve payment history. Reconcile the result against lender statements because fees, interest, allocation, and posting can differ. Avalanche and Snowball visibly reorder debts into strategy priority. Table headers also support manual sorting by balance, APR, payment, and next due date; My Order restores your saved custom order. Optional due days are planning context only, with short months safely using the final valid day.

User-confirmed progress can earn optional milestone cards for percentage milestones, debts paid off, and full completion. Choose a tone, edit the caption, control optional disclosures, preview the exact card, and open Apple’s share sheet only when you decide. Nothing posts automatically. Cards hide lender, debt name, account information, current balance, identity, and exact payoff date by default. Amount paid down is off by default.

The free app supports up to two debts, avalanche calculation, recurring extra-payment exploration, per-debt timelines, progress tracking and milestone sharing, a Home Screen widget, and portable JSON backup/restore. Optional Lifetime Access is a $4.99 one-time non-consumable purchase—not a subscription—that unlocks unlimited debts, snowball comparison, scheduled and one-time scenarios, debt targeting, detailed monthly schedules, reminders, and plan export. Restore Purchases is available.

All results are estimates based on manually entered values, not financial advice or guarantees. Debt-Free does not connect to banks, verify lender balances, make payments, or guarantee savings or payoff outcomes.

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Debt-Free Lifetime | $4.99 | one-time |



## Version history (last 3 releases)

### 1.3 — 2026-09-10

• Recorded payments immediately reduce the tracked balance exactly once while preserving payment history.
• Avalanche and Snowball now visibly reorder debts into strategy priority.
• Sort manually by balance, APR, payment amount, or optional next due date; return to My Order at any time.
• Add an optional monthly payment due day. Short months use their final valid day.
• Keeps privacy-safe earned milestone cards, editable disclosure controls, and explicit Apple share-sheet presentation.
• Improves light and dark appearance, accessibility, relaunch reliability, migration safety, and purchase/restore behavior.

All balances, payments, rates, and dates remain manual. Due dates are planning context—not lender verification or guaranteed reminders. The optional $4.99 Lifetime purchase remains one-time with no subscription.

### 1.2 — 2026-08-31

NEW: Privacy-safe milestone sharing for progress you confirm.

• Earn cards for percentage milestones, debts paid off, and full debt-free completion.
• Choose Quiet pride, Bold celebration, or Accountability/support.
• Edit the caption and control optional disclosures before sharing.
• Preview the exact card, then explicitly open Apple’s share sheet. Nothing posts automatically.
• Milestone cards hide lender names, debt names, account data, balances, identity, and exact payoff dates by default.
• Logged payments now immediately reduce the tracked balance, with a reminder to reconcile against lender statements.

Also includes reliability, accessibility, migration, privacy, widget, and purchase/restore improvements. The existing optional $4.99 Lifetime purchase remains unchanged.

### 1.1 — 2026-08-20

No release notes.

## Apps similar to Debt

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [ZeroOut Debt Planner](https://appshunter.io/ios/app/zeroout-debt-planner/id6761924615) | — | Free | Finance |
| [Debt Payoff Pro: Loan Tracker](https://appshunter.io/ios/app/debt-payoff-pro-loan-tracker/id6762552664) | 5.0 (2) | Free | Finance |
| [Financial Fitness Passport](https://appshunter.io/ios/app/financial-fitness-passport/id6755830716) | 5.0 (5) | Free | Finance |
| [Debt Tracker by UnDebt](https://appshunter.io/ios/app/debt-tracker-by-undebt/id6744000488) | 5.0 (4) | Free | Finance |
| [WCG Mobile](https://appshunter.io/ios/app/wcg-mobile/id1530085443) | 4.9 (384) | Free | Finance |
| [Debt Payoff Planner: Tracker](https://appshunter.io/ios/app/debt-payoff-planner-tracker/id6744280524) | — | Free | Finance |

## More apps by Steven Patrick Nash

- [Wake Well: Smart Alarm](https://appshunter.io/ios/app/wake-well-smart-alarm/id6792578095)
- [Nash Training](https://appshunter.io/ios/app/nash-training/id6792594426)
- [Nash Fuel & Recovery](https://appshunter.io/ios/app/nash-fuel-and-recovery/id6792599636)
- [Trial Guard: Trial Tracker](https://appshunter.io/ios/app/trial-guard-trial-tracker/id6792602816)
- [Run Ready: Barrel Racing](https://appshunter.io/ios/app/run-ready-barrel-racing/id6795145514)

All apps by Steven Patrick Nash: https://appshunter.io/developer/6780430249

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-12.*