# DebtWise — Your debt-free date, planned

> Your debt-free date, planned (iPhone/iPad app by Karen Piazza.)

- Source: https://appshunter.io/ios/app/debtwise/id6803152330 (this page in markdown: same URL + `.md`)
- Developer: [Karen Piazza](https://appshunter.io/developer/6803150695)
- Category: Finance
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 15.1 · 37 MB
- Languages: American English
- Released: 2026-10-25
- Data updated: 2026-10-31

## What is DebtWise?

DebtWise turns the fog of several credit cards and loans into one finite project with an end date.

You type what you owe — balance, interest rate, minimum payment, due day. Nothing is linked to your bank, so the numbers are yours and no login you did not want to give is ever asked for. From that, DebtWise projects every month forward and gives you the one thing a bank app never does: the actual date you are free.

EVERYTHING IN ONE VIEW
Total owed, how much you have already cleared, your weighted average interest rate, and what is due next — in the ten seconds you have in a car park.

A PLAN WITH A DATE ON IT
A month-by-month payoff projection to zero, drawn as a curve you can watch fall. See how many months and how much interest one extra payment would save, before you commit to it.

PAYMENTS, LOGGED IN SECONDS
Log a payment and the balance drops, your history grows and your monthly streak builds. Set how many days of warning you want and DebtWise reminds you on your device before each due day.

PROGRESS YOU CAN SEE
Milestones earned from real progress and a monthly payment streak. With Pro, a six-month trend of your total debt falling, credit-card utilization banded by health, and a breakdown of where your debt actually lives.

WHAT IS FREE
Tracking up to three debts, payment logging, reminders, your debt-free date, the payoff projection and the extra-payment what-if are free, for as long as you use the app.

DEBTWISE PRO (optional subscription)
- Unlimited debts
- Avalanche and custom payoff order, plus a side-by-side strategy comparison
- Balance trend, debt-type breakdown, card utilization and freedom goals

Pro is $4.99/month or $29.99/year, each with a 7-day free trial for new subscribers. Payment is charged to your Apple ID at confirmation. A subscription renews automatically for the same price and period unless auto-renew is turned off at least 24 hours before the current period ends; manage or cancel it any time in your App Store settings.

DebtWise is a private planning tool. It gives you estimates based on the figures you enter — it is not financial advice, and it does not connect to, read from, or move money in any account.

Privacy Policy: https://a5ge6pc4ma.accountnotify.app/privacy
Terms of Use (EULA): https://a5ge6pc4ma.accountnotify.app/terms

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| DebtWise Pro Monthly | $4.99 | per month |
| DebtWise Pro Annual | $29.99 | per year |


## Is DebtWise safe?

Not enough ratings yet to assess DebtWise.

## Is DebtWise legit?

DebtWise appears legitimate, with a few gaps. The AppsHunter Legitimacy Score for DebtWise is 65 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 1 release)

### 1.0 — 2026-10-26

No release notes.

## More apps by Karen Piazza

- [MyDashCash](https://appshunter.io/ios/app/mydashcash/id6803150243)
- [JoyRide Senior Adventures](https://appshunter.io/ios/app/joyride-senior-adventures/id6803153275)

All apps by Karen Piazza: https://appshunter.io/developer/6803150695

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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 2026-10-31.*