# Debtless: AI Debt & Budget — Budget planner & card payoff

> Personal finance app for tracking income, expenses, debts, and running payoff simulations. (iPhone/iPad app by Armaan Manji.)

- Source: https://appshunter.io/ios/app/debtless-ai-debt-and-budget/id6749647254 (this page in markdown: same URL + `.md`)
- Developer: [Armaan Manji](https://appshunter.io/developer/1821032627)
- Category: Finance
- Price: Free with in-app purchases
- Rating: 4.00/5 from 4 App Store ratings · 4 written reviews indexed
- Age rating: 4+
- Requires: iOS 17.0 · 76 MB
- Languages: American English
- Released: 2026-06-28
- Data updated: 2026-10-26
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/debtless-ai-debt-and-budget/id6749647254/reviews.md

## What is Debtless?

Debtless: AI Debt & Budget is the AI debt coach you can chat with. Minimum payments are designed to keep you paying. Debtless shows you what they actually cost, what a little extra changes, and the exact day you get to stop.

SEE YOUR DEBT-FREE DATE
Add your debts once and Debtless works out the day you are free. Not a vague estimate: a real date, from your balances, your rates, and what you pay each month.

A DEBT PAYOFF PLANNER THAT MOVES IT
Choose the avalanche or snowball method, add whatever extra you can afford, and watch the date come closer. Or work backwards: tell Debtless the date you want to be free and it works out the monthly payment that gets you there, with a month-by-month schedule.

MEET DEBBY, YOUR AI DEBT COACH
Debby is an AI coach who has actually read your numbers. Ask her what happens if you put an extra $150 a month toward the Visa. Ask which credit card to attack first and why. Ask her to draw it, and she will put a real chart in the chat: your spending, what you owe, or how much sooner you finish. She can log expenses and set up your plan while you talk.

BUDGET WITHOUT THE SPREADSHEET
Track income and expenses, and see Safe to Spend: what is genuinely yours this month after your bills and your debt payments are accounted for. Import a few months of bank statements and Debtless builds the budget from what you actually spend, not what you think you spend.

STAY ON IT
Reminders before payments are due. A celebration when a debt hits zero, and an offer to roll that freed-up payment into the next one. A weekly note on how the month is going.

PRIVATE BY DEFAULT
No bank connection required. You enter your own numbers, and your records are synced securely to your account. Optional statement imports use AI to extract the information. We never sell your data.

PRICING
Debtless Pro is $9.99 a month or $59.99 a year, with a 7-day free trial on the annual plan for eligible new subscribers. Pro includes your payoff plan, budgeting, statement import, and chats with Debby.

Debtless: AI Debt & Budget is made by Armaan Manji (debtless.app) and is not affiliated with other apps named Debtless. Debtless is a planning tool, not a lender or a financial advisor. Projections are estimates based on the numbers you enter.


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

Privacy Policy:
https://www.debtless.app/privacy

## Key features

- Income tracking
- Expense tracking
- Debt management
- Payoff simulations
- Purchase tracking
- Debt progress monitoring

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Weekly | $2.99 | per 7 days |
| Monthly | $9.99 | per month |
| Annual | $59.99 | per year |
| Annual (Billed Today) | $59.99 | per year |


## Is Debtless safe?

Not enough ratings yet to assess Debtless.

## Is Debtless legit?

Debtless: AI Debt & Budget has limited verification signals. The AppsHunter Legitimacy Score for Debtless is 58 out of 100 points across 7 verification signals from App Store and developer data.

## Recent user reviews (4 of 4)

All indexed reviews: https://appshunter.io/ios/app/debtless-ai-debt-and-budget/id6749647254/reviews.md

### 5/5 — Good Execution

*2026-09-01*

Amazing App.

### 5/5 — Sensational!

*2026-08-25*

It helps me with my debt effortlessly and with my crazy spending! The app made spending so much easier.

### 5/5 — Amazing App!

*2026-08-25*

This app is easy to navigate, and has really helped me manage my finances! Would highly recommend!

### 5/5 — Finally an app that does what it promises

*2026-08-23*

I’m very glad I found this app. The ai is actually really capable by making suggestions, offering support and ideas that are real world applicable and mostly I appreciate that the ai can manipulate entries. Usually there’s a disconnect between ai chat and the data one enters but with this ai I just tell it in the chat my income and expenses and it adds them for me. The app is intuitive and adapts itself to my lifestyle. I am self employed with various sources of income and it molds itself around my complicated finances.

## Frequently asked questions about Debtless

### What is Debtless?

Debtless is a personal finance application designed to help users track their income, expenses, and debts. It also allows for running payoff simulations and monitoring financial progress.

### Is Debtless free to use?

Yes, Debtless is available for free. It also offers in-app purchases for additional features or content.

### What devices does Debtless support?

Debtless is compatible with iPhones and iPads, offering a seamless experience across Apple devices.

### How secure is Debtless?

While specific security measures are not detailed, the app's privacy policy outlines how user data is handled. Users can review the privacy policy for detailed information.

### How often is Debtless updated?

The latest version, 1.4, was released on August 24, 2026, indicating active development and regular updates to improve functionality and user experience.

### What is the age rating for Debtless?

Debtless has an age rating of 4+, making it suitable for a wide range of users, including younger individuals learning about financial management.

### What do users think of Debtless?

Based on the available data, Debtless has received an excellent rating of 5.0 stars from 3 ratings, suggesting a very positive user reception.

### Does Debtless have ads?

No, Debtless does not contain advertisements, providing an uninterrupted user experience.

## Version history (last 5 releases)

### 1.6.3 — 2026-10-18

Fixes a crash that could stop the app right after setup on some iPhones running iOS 26. If that happened to you, sorry about that. Open the app and pick up where you left off.

### 1.6.2 — 2026-10-13

Accounts, made simple:
• Add an account in three steps: name, Chequing or Savings, balance. It shows up straight away on the account and in Left to spend.
• Edit or delete any account, change its type, and choose whether it counts toward Left to spend. Debby can do all of this for you too.
• "Update balance" replaces the old balance check. Overdrawn? Just type a minus sign.
• Statement uploads now end with a quick "is this your balance right now?", and older transactions are kept as history without touching your balance.
• Your changes save on your phone first and sync in the background, so nothing waits on the network. Settings shows whether everything is synced.
Plus fixes and clearer wording throughout.

### 1.6.1 — 2026-10-09

• Debby can add bank and cash accounts for you, and remove several purchases at once
• Debby now remembers what you told us during setup, and your chosen voice comes through in every reply
• Adding a debt asks for the real numbers, with quick options if you're not sure
• Fixed a crash when typing to Debby, and balance checks that could get stuck syncing
• Smaller fixes and polish

### 1.6 — 2026-10-08

A whole new Debtless.

• A calmer, fresher design across Home, Budget, Debts and Debby
• Delete a debt along with its history, and remove purchases or payments by hand
• Reset your password right from the app
• Add an account and its balance in one step
• Swipe or press and hold to edit and remove budget items
• Amounts like 12,50 now read correctly, plus clearer currency support
• Lots of fixes and smoothness improvements

### 1.5.1 — 2026-10-01

Fixed an issue that could prevent debts and income entered during setup from saving after signup. Improved reliability when saving changes with an interrupted connection.

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## Related topics

[monthly budget debt](https://appshunter.io/ios/topics/monthly-budget-debt) · [financial planner debt](https://appshunter.io/ios/topics/financial-planner-debt) · [debt free dad](https://appshunter.io/ios/topics/debt-free-dad) · [zeroout debt planner](https://appshunter.io/ios/topics/zeroout-debt-planner)

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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 2026-10-26.*