Owedless

Most debt apps hand you a plan you cannot actually follow — then break the moment real life happens. Owedless is different. Log what you really paid, in one tap, and watch your debt-free date move. A PLAN BUILT ON WHAT YOU CAN ACTUALLY AFFORD Tell Owedless what you can put toward debt each month, and it builds a schedule around that number — not around a payment you have no way of making. See exactly which debt to attack first and when each one disappears. LOGGING A PAYMENT ACTUALLY WORKS Paid the minimum? Paid extra? Paid late, or less than you meant to? Tap once. Your balance drops, the plan recalculates, and when a debt clears its payment automatically rolls into the next one. Made a mistake? Undo it. SNOWBALL OR AVALANCHE — SEE BOTH Switch between smallest-balance-first and highest-rate-first and compare the real numbers: total interest, interest saved, and time to clear. Pick the one you will actually stick with. WORK BACKWARDS FROM A DATE Want to be debt-free by a specific month? Owedless tells you the monthly payment that gets you there. BUILT FOR REAL BALANCES Record what you started with, so progress you made before installing still counts. Add a charge when a balance goes up, because sometimes it does. NO BANK LOGIN. NO ACCOUNT. NO SUBSCRIPTION. Owedless never connects to your bank and never asks you to sign up. Everything stays on your device. And it will never be a subscription — charging you every month to escape monthly payments makes no sense. FREE BONUS — THE DEBT-FREE PLAYBOOK Included at no cost: snowball vs avalanche explained with real math, where to find extra money, what to do in the months you cannot follow the plan, and how to stay out once you are clear. WHAT'S INSIDE - Unlimited debts, free - Snowball, avalanche, and a live payoff order - Debt-free date and total interest projections - One-tap payment logging with undo - Month-by-month payment schedule - Debt-free-by-a-date solver - Progress that includes what you paid before installing - On-device backup and restore - Light and dark themes - Works completely offline IMPORTANT: Owedless is a calculator for informational purposes only and does not provide financial, credit, tax, or legal advice. It works only from the numbers you enter and models interest in a simplified way — your lender may compound differently, charge fees, or change your rate, so your real balances and payoff dates will differ. Owedless never connects to your bank and never makes payments; you remain responsible for paying your lenders directly and on time. Always confirm figures with your lender and consider speaking with a qualified, accredited financial counsellor before making significant decisions.