My Debt Freedom
Plan your path to zero
About
This privacy-first app helps you plan your debt payoff journey. Track all your loans and balances for free, and unlock a personalized payoff date and strategy with an optional subscription. Stay motivated with progress tracking and reminders.
What's New in My Debt Freedom
1.0.2
September 30, 2026
Bug fixes. Logged payments on a debt with an interest rate now add one month of interest at that rate before the balance updates, so the amount you owe stays closer to your lender. A second payment in the same month goes to principal. Debts at 0% are unchanged. Payments already logged stay as they are. Interest is included the next time you log one.
MoreSubscriptions & In-App Purchases
Freedom Monthly
Plan, tracking, reminders, awards, and coach.
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FAQ
What is My Debt Freedom?
My Debt Freedom is a privacy-first debt payoff planner for iPhone. It allows you to list your debts for free and offers an optional subscription for a personalized payoff plan and date.
How does My Debt Freedom handle privacy?
My Debt Freedom is designed with privacy as a priority. Your financial data stays on your iPhone, and it does not require an account, bank login, or display any advertisements.
What are the payoff strategies available in My Debt Freedom?
The 'Freedom' subscription offers two popular payoff strategies: Snowball (paying off smallest debts first) and Avalanche (paying off debts with the highest APR first).
Can I track my actual payments in My Debt Freedom?
Yes, you can log what you actually paid towards your debts. This feature helps in accurately tracking your progress towards zero and ensures your payoff plan reflects your real-world financial actions.
Does My Debt Freedom offer reminders for payments?
Yes, My Debt Freedom provides reminders for your due dates. You will receive a notification 3 days before a due day and again on the actual due day to help you stay on track.
What is the 'Found Money' feature?
The 'Found Money' feature allows you to allocate any unexpected income, such as refunds or leftover cash, directly towards your debts. This can accelerate your payoff progress.
How do I cancel my My Debt Freedom subscription?
To cancel your subscription, go to iPhone Settings, tap your name, then select 'Subscriptions'. You must cancel at least 24 hours before the current subscription period ends.
Is My Debt Freedom available on Android or other devices?
Currently, My Debt Freedom is a privacy-first payoff planner specifically for iPhone. It is also supported on iPad.
