# Debt Payoff Tracker - DebtFree — Snowball & Avalanche Planner

> Snowball & Avalanche Planner (iPhone/iPad app by Musku Akshay Reddy.)

- Source: https://appshunter.io/ios/app/debt-payoff-tracker-debtfree/id6755614652 (this page in markdown: same URL + `.md`)
- Developer: [Musku Akshay Reddy](https://appshunter.io/developer/1827983014)
- Category: Finance, Utilities
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 16.2 · 11 MB
- Languages: American English, Arabic, Dutch, French (France), German (Germany), Italian, Japanese, Korean, Brazilian Portuguese, European Spanish
- Released: 2026-06-30
- Data updated: 2026-09-05
- User reviews in markdown: https://appshunter.io/ios/app/debt-payoff-tracker-debtfree/id6755614652/reviews.md

## What is Debt Payoff Tracker?

Debt Payoff Tracker - DebtFree helps you track and pay off credit cards, loans and more. Choose Snowball, Avalanche or a custom plan and see your payoff date.

PLAN AROUND REAL LIFE
• See what remains after essentials, debt minimums and your safety buffer
• Schedule recurring extras, one-time income, reduced months and skipped extras
• Set per-debt rules while required minimums stay protected
• Reconcile statement balances and compare the previous and revised forecast
• Review the assumptions behind every projection

Take control of your money and make a plan that actually works. DebtFree is a simple, focused debt payoff tracker that helps you organize loans, credit cards, mortgages and more, then helps you understand what to focus on next.

How it helps
• Add any debt: credit cards, student loans, auto loans, medical bills, personal loans and mortgages.
• Choose a payoff strategy: Snowball (smallest balance first), Avalanche (highest interest first) or create a Custom Plan.
• See the result: payoff date, monthly breakdowns, interest saved and visual progress so you stay motivated.

Smart tools you’ll use everyday
• Payment reminders so you never miss a due date.
• Extra-payment scenarios — test one-off or recurring extra payments to see how much time and interest you’ll save.
• Interest savings calculator and clear charts that make numbers meaningful.
• Export to PDF and keep records when you need them.
• Dark mode and a clean, distraction-free iOS experience.

Debt Coach
Ask questions and get tailored, actionable suggestions based on your profile. The Debt Coach provides informational guidance to help you compare payoff approaches and make better decisions. (Not financial, legal, or tax advice — see disclaimer.)

Privacy & syncing
• Privacy first: your core financial data stays on your device by default.
• Premium includes manual iCloud backup and restore in your personal iCloud account.
• No third-party ads or tracking.

Free vs Premium
Free plan: track up to 3 debts, use payoff strategies, reminders and Debt Coach.
Premium: unlimited debts, advanced analytics, PDF export, manual iCloud backup and restore, custom payoff ordering.

Subscription & trial
3-day free trial available. Monthly, yearly and lifetime purchase options are offered (managed via your Apple ID). Subscriptions auto-renew unless cancelled at least 24 hours before renewal.

Important disclaimer
DebtFree is a debt management and tracking tool. It provides estimates and educational guidance only and is not a substitute for professional financial, legal, or tax advice. Always consult a qualified advisor for major financial decisions.

Get started in minutes — enter your debts, pick a plan, and watch your progress. DebtFree makes paying off debt less stressful and more predictable.

Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Privacy Policy: https://sunnysaas.github.io/debt-free/

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Weekly Pro | $2.99 | per 7 days |
| Monthly Premium | $7.99 | per month |
| Annual Premium | $39.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Premium Lifetime | $69.99 | one-time |



## Version history (last 5 releases)

### 1.4 — 2026-09-02

DebtFree 1.4 adds a payoff plan that adapts to real life.

• Cash Flow Guardrails show what remains after essentials, minimums and your safety buffer
• Flexible Funding Calendar for extra income, reduced months and skipped extras
• Per-debt plan rules with minimum payments protected
• Clear Projection Basis details
• Stronger statement reconciliation with before-and-after forecasts
• Improved localization and reliability

### 1.3 — 2026-08-20

Adding debts is faster in DebtFree 1.3. Scan a statement, import a PDF or CSV, and review every detected value before saving. Processing stays on your device, and source documents are discarded after review. Paid-off debts no longer use a free active-debt slot. We also improved due-date handling, autopay confirmation, duplicate detection, reconciliation, data recovery, accessibility, and reliability.

### 1.2 — 2026-08-11

DebtFree 1.2 makes Premium useful from day one and around every payday.

• Premium Quick Start built from your real debts
• Adaptive Weekly Plans and Payday Planner
• Plan Momentum that rewards consistency without strict streaks
• Planned vs Actual monthly reports
• Promotional APR insights
• A smoother payoff-path reveal, localization updates and reliability improvements

### 1.1.0 — 2026-08-04

Always know what to pay next. Version 1.1 adds a clearer My Plan experience, a detailed payoff roadmap, saved what-if scenarios, monthly check-ins, target-date planning and plan repair. Record and reconcile payments with stronger local data recovery, compare Snowball and Avalanche, and use the improved Debt Coach for answers grounded in your payoff plan. Premium now includes custom debt ordering and all data exports. We also refined the dashboard, onboarding, accessibility, performance and reliability. New free users can track up to 3 debts; existing data and prior allowances remain protected.

### 1.0.9 — 2026-07-23

DebtFree 1.0.9 introduces a redesigned My Plan with detailed payoff tables, a simpler Scenario Lab and a more interactive Debt Coach. Every supported language now has the same features and design. This update also includes stability and accessibility improvements.

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## More apps by Musku Akshay Reddy

- [TDEE Calculator - TDEECalc](https://appshunter.io/ios/app/tdee-calculator-tdeecalc/id6748926227)
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All apps by Musku Akshay Reddy: https://appshunter.io/developer/1827983014

## Related topics

[avalanche debt](https://appshunter.io/ios/topics/avalanche-debt) · [debt free](https://appshunter.io/ios/topics/debt-free) · [debt ruthless](https://appshunter.io/ios/topics/debt-ruthless) · [pay off debt tracker](https://appshunter.io/ios/topics/pay-off-debt-tracker)

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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 2026-09-05.*