# My Debt Freedom — Plan your path to zero

> Privacy-first debt payoff planner for iPhone with free tracking and paid strategy. (iPhone/iPad app by MATTHEW ALLEN CHAPMAN.)

- Source: https://appshunter.io/ios/app/my-debt-freedom/id6801859417 (this page in markdown: same URL + `.md`)
- Developer: [MATTHEW ALLEN CHAPMAN](https://appshunter.io/developer/6785641563)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Rating: 5.00/5 from 1 App Store ratings
- Age rating: 4+
- Requires: iOS 18.0 · 5 MB
- Languages: American English
- Released: 2026-09-01
- Data updated: 2026-09-10
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/my-debt-freedom/id6801859417/reviews.md

## What is My Debt Freedom?

What’s your Freedom date?

My Debt Freedom is a privacy-first payoff planner for iPhone. List every card, loan, and leftover balance for free. Unlock Freedom when you want a date, a plan, and a way to stay on it.

Your numbers stay on this iPhone. No account. No bank login. No ads.

FREE
• Add debts with name, type, balance, APR, minimum, and due day
• 0% APR is allowed
• Optional Face ID, Touch ID, or passcode lock
• Delete a debt or wipe everything in Settings

FREEDOM
• Snowball (smallest first) or avalanche (highest APR first)
• Side-by-side months and interest
• Extra payments and paid-off minimums that roll to the next target
• Log what you actually paid
• Progress toward zero and awards
• Reminders 3 days before a due day and again on the day
• Found Money: put a refund or leftover cash on the right debt
• On-device coach on iOS 26 with Apple Intelligence (Found Money still works without it)

Freedom is an auto-renewable subscription (monthly or yearly). Payment is charged to your Apple ID. Cancel at least 24 hours before the period ends in iPhone Settings → your name → Subscriptions. Prices are shown in the app.

Planning math only — not financial, tax, or credit advice. Confirm balances and rates with your lenders.

Privacy Policy: https://mydebtfreedom.app/privacy/
Terms of Use: https://mydebtfreedom.app/terms/

## Key features

- Debt tracking for cards and loans
- Privacy-first, no account needed
- Snowball or avalanche payoff methods
- Log actual payments made
- Progress tracking and awards
- Due date reminders
- Found Money feature for extra payments

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Freedom Monthly | $4.99 | per month |
| Freedom Yearly | $39.99 | per year |



## Frequently asked questions about My Debt Freedom

### 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.

## Version history (last 1 release)

### 1.0 — 2026-09-01

No release notes.

## More apps by MATTHEW ALLEN CHAPMAN

- [Avalon Park](https://appshunter.io/ios/app/avalon-park/id412514085)
- [My Field Crew](https://appshunter.io/ios/app/my-field-crew/id6788578472)

All apps by MATTHEW ALLEN CHAPMAN: https://appshunter.io/developer/6785641563

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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 2026-09-10.*