# Debtless — Private debt payoff planner

> Private debt payoff planner (iPhone/iPad app by Logan Moore.)

- Source: https://appshunter.io/ios/app/debtless/id6748594182 (this page in markdown: same URL + `.md`)
- Developer: [Logan Moore](https://appshunter.io/developer/382096113)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 18.2 · 5 MB
- Languages: American English
- Released: 2025-07-18
- Data updated: 2026-09-07
- User reviews in markdown: https://appshunter.io/ios/app/debtless/id6748594182/reviews.md

## What is Debtless?

100% free. No ads. No subscriptions.

Debtless keeps the number that matters most—the date you are projected to be debt-free—at the top of your plan. Add debts manually or scan a statement, log payments, and see the projection move as your balances change.

EVERY FEATURE IS FREE
• Track unlimited debts, payments, due dates, and savings goals
• See total debt, minimum payments, payoff progress, and a projected debt-free date
• Log quick extra payments without exceeding the remaining balance
• Compare avalanche, snowball, and hybrid payoff strategies
• Explore payoff questions with the on-device Plan Assistant on compatible Apple Intelligence devices
• Use Apple Intelligence-enhanced statement extraction on compatible devices
• Get Earn ideas tailored to your skills and most expensive debt
• Set local due-date reminders and export your ledger to CSV

There is no subscription, in-app purchase, paywall, advertising, or paid feature tier. Generated features have no message or scan quotas because processing runs on-device.

PRIVACY BY DESIGN
There is no bank linking or sign-in account. Your debt ledger, statement processing, saved Plan Assistant conversation, prompts, and generated output stay on your device. On compatible devices, generated features use Apple's Foundation Models framework and Apple Intelligence with no network AI fallback. Debtless does not sell your data, record product usage, or include third-party ad, tracking, or analytics SDKs.

Apple Intelligence and other generated output can be incomplete, outdated, misleading, or wrong. Debtless and its Plan Assistant are software planning and education tools, not financial advisers, and do not provide financial, legal, tax, credit-repair, lending, or investment advice. Verify important figures and creditor terms before acting.

Terms: https://debtless-site.onrender.com/terms/
Privacy: https://debtless-site.onrender.com/privacy/

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Thanks for the Support! | $0.99 | one-time |
| You're Awesome! | $2.99 | one-time |
| You’re fueling development! | $4.99 | one-time |



## Version history (last 2 releases)

### 1.6 — 2026-09-05

Debtless is now completely free:

• No subscriptions, in-app purchases, paywalls, or ads
• Every payoff strategy, statement scan, Earn idea, and Plan Assistant feature is included
• Plan Assistant conversations are saved only on your device and keep recent context for coherent replies
• Debt rows can show the details you choose, including minimum payment and due date
• Due dates can advance automatically after they pass
• Clear persistent field labels, APR help, privacy explanations, and AI accuracy disclaimers
• Review prompts appear only after meaningful progress—not at launch

### 1.0 — 2025-07-18

No release notes.

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## More apps by Logan Moore

- [No Tipper](https://appshunter.io/ios/app/no-tipper/id6742201810)
- [Drifta](https://appshunter.io/ios/app/drifta/id6749255417)
- [WaffleInvoice](https://appshunter.io/ios/app/waffleinvoice/id6763481553)

All apps by Logan Moore: https://appshunter.io/developer/382096113

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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 2026-09-07.*