# DebtFree AI Coach — AI Debt Payoff Planner

> AI Debt Payoff Planner (iPhone/iPad app by Michele Mackin.)

- Source: https://appshunter.io/ios/app/debtfree-ai-coach/id6764346063 (this page in markdown: same URL + `.md`)
- Developer: [Michele Mackin](https://appshunter.io/developer/1895742454)
- Category: Finance, Utilities
- Price: Free with in-app purchases
- Age rating: 17+
- Requires: iOS 15.1 · 30 MB
- Languages: American English
- Released: 2026-05-13
- Data updated: 2026-08-07
- User reviews in markdown: https://appshunter.io/ios/app/debtfree-ai-coach/id6764346063/reviews.md

## What is DebtFree AI Coach?

Know your exact debt-free date in 60 seconds.

DebtFree AI Coach uses artificial intelligence to build your personalized debt payoff plan and shows you exactly when you'll be completely debt free. No more guessing. No more minimum payments into the void. Just a clear finish line.

CHOOSE YOUR PAYOFF STRATEGY
Debt Snowball — pay off smallest balances first, build momentum fast. This is Dave Ramsey's proven method that keeps you motivated with quick wins.
Debt Avalanche — attack the highest interest rate first and save the most money overall.
DebtFree AI models BOTH strategies so you can see exactly which payoff date works best for you.

HOW IT WORKS
1. Enter your debts — credit cards, student loans, auto loans, personal loans, medical bills
2. Enter your balance, interest rate (APR), and minimum payment
3. Add any extra monthly amount you can put toward debt
4. Instantly see your debt-free date for both strategies
5. Track every payment and watch your date get closer

WHAT DEBTFREE AI TRACKS
Credit card debt — Chase, Capital One, Citi, and more
Student loans — federal and private
Auto and car loans
Personal loans
Medical bills
Any other debt you're carrying

FREE TO START
Try it for 30 days for free, then $4.99 if you decide to keep it. Cancel anytime. Having a clear plan will save you tons in interest and help you break free from the chains of debt.

WHY DEBTFREE AI IS DIFFERENT
Most debt apps just track your balances. DebtFree AI tells you WHEN you'll be free — and uses AI to help you get there faster. That one number changes everything.

The day you see your debt-free date is the day debt stops running your life.

Download free and find your date today.

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

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| DebtFree AI Coach | $4.99 | per year |
| DebtFree AI Coach | $4.99 | per month |



## Version history (last 3 releases)

### 1.0.2 — 2026-06-10

Updated the onboarding/pricing card to reflect $4.99 annual subscription.

### 1.0.1 — 2026-05-22

Updated description.

### 1.0 — 2026-05-13

No release notes.

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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 2026-08-07.*