# Time Debt: Screen Time Limit — App Blocker & Phone Focus

> App Blocker & Phone Focus (iPhone/iPad app by James Gray.)

- Source: https://appshunter.io/ios/app/time-debt-screen-time-limit/id6792393696 (this page in markdown: same URL + `.md`)
- Developer: [James Gray](https://appshunter.io/developer/6787461080)
- Category: Productivity, Lifestyle
- Price: Free
- Age rating: 4+
- Requires: iOS 18.0 · 18 MB
- Languages: American English
- Released: 2026-07-26
- Data updated: 2026-11-13

## What is Time Debt?

Borrow ten extra minutes today, and tomorrow's screen-time allowance starts ten minutes shorter.

Time Debt is an app blocker built on Apple's Screen Time system. Instead of ignoring your limit when you want more time, you borrow a controlled amount from tomorrow — and see exactly what it costs before you confirm.

SET YOUR LIMIT
Choose distracting apps, categories and websites with Apple's private picker, then set a realistic daily allowance. With Time Debt Pro you can set a separate weekend limit.

BORROW DELIBERATELY
Out of time? Pick 5, 10 or 15 minutes, or a custom amount within your cap. Time Debt shows today, tomorrow's normal allowance and tomorrow's adjusted allowance side by side. Nothing happens until you confirm.

REPAY TOMORROW
Borrowed minutes are repaid automatically — once, never twice. No interest and nothing compounds. Tomorrow never drops below the minimum you choose, and ending a borrowed session early returns the unused minutes.

REAL APP BLOCKING
When your allowance runs out, a calm shield covers the selected apps. Stop for today, or open Time Debt to borrow with the full picture.

PROTECT YOUR FOCUS
Start a focus session in one tap for study, work or reading. Selected apps stay shielded while the timer runs. Borrowed time shows a Live Activity countdown.

BUILD A BETTER BEDTIME ROUTINE
Set protected hours that can cross midnight. Your selected apps stay blocked for the whole window and borrowing is off until morning. Reminders are optional.

TRACK YOUR STANDING
Your Time Credit Score is a 300–850 standing built only from days you have finished: keeping your plan and ending borrowing early raise it, borrowing lowers it gently. Streaks and ranks mark steady weeks, the Reclaimed Hours Vault grows stage by stage with the time you take back, and a Monthly Statement sums up each month. Guided Programs such as Doomscroll Detox (21 days) and a 14-night bedtime program give you one clear step a day. Widgets keep your score, streak and vault on your Home Screen and Lock Screen. Everything is calculated on your iPhone.

SEE YOUR PROGRESS HONESTLY
History shows allowances, borrowed and repaid minutes, focus sessions, Flex Minutes earned by stopping early, and days you stayed within your plan — clearly labelled, never framed as failure.

FAMILY TOOLS
Use a family plan on a shared or handed-over iPhone. Requests and parent approvals happen on the same device, and parent-only settings are protected by Face ID, Touch ID or passcode. There is no remote monitoring.

EMERGENCY ACCESS, ALWAYS
Remove every Time Debt shield until tomorrow at any time, on every plan. It does not change Screen Time limits set in iOS Settings or by a Family Sharing organizer.

PRIVATE BY DESIGN
No account and no ads. Your rules, app selections and history stay on your iPhone and work offline. Time Debt never sees app names or content — Apple provides anonymous tokens. RevenueCat processes an anonymous identifier only to manage subscriptions.

CORE AND PRO
The core plan includes one full plan with real blocking, borrowing, automatic repayment, 7-day history and emergency access. Time Debt Pro adds multiple plans, custom schedules, multi-day repayment, longer history and reports, guided programs and expanded family tools.

Time Debt is a voluntary commitment tool for digital wellbeing, not medical or psychological treatment. On your own iPhone, Screen Time permission can be withdrawn in Settings.

Auto-renewing subscriptions are managed through Apple. Price, trial eligibility and renewal terms are shown before purchase. Manage or cancel anytime in your Apple Account settings.

Privacy policy: https://time-debt-app-blocker.rork.app/privacy.html
Terms of use: https://time-debt-app-blocker.rork.app/terms.html
Apple Standard License Agreement (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

## Is Time Debt safe?

Not enough ratings yet to assess Time Debt.

## Is Time Debt legit?

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


## Version history (last 5 releases)

### 1.3.0 — 2026-11-12

New in 1.3:
• Time Credit Score: a 300–850 standing built from the days you keep your plan, with streaks and ranks.
• Reclaimed Hours Vault: watch the time you take back add up, stage by stage.
• Monthly Statements: borrowed, repaid and reclaimed time for each month at a glance.
• Programs: guided plans such as a 21-day Doomscroll Detox and a 14-night bedtime program.
• New widgets for your score, streak and vault on the Home Screen and Lock Screen.
• Optional reminders, which you can turn off anytime.
• Protected bedtime now blocks your selected apps for the whole window.

### 1.2.1 — 2026-11-11

Bug fixes and performance improvements.

### 1.2 — 2026-09-28

A big update focused on reliability and clarity.

- Safer repayment: borrowed minutes are repaid exactly once, even if a session runs past midnight, the phone restarts or the time zone changes
- Borrow 5, 10 or 15 minutes, or a custom amount within your cap, with tomorrow's exact result shown before you confirm
- New first launch: see how borrowing works with an interactive example, then build your first plan around your goal
- A calmer, clearer shield screen
- Emergency Access now keeps shields off for the rest of the day
- Stop for Today on the shield is now recorded in your history
- Tomorrow Engine, Time Vault, guided programs and pattern insights
- Focus intentions, setup recipes and 7-day, 28-day and yearly reviews
- Accessibility and haptics refinements

### 1.1 — 2026-07-31

Time Debt 1.1 is a polish release — the same honest mechanism, with a better feel.

• Gentle optional sound cues for meaningful moments: confirming a borrow, activating your first plan, completing a focus session and reclaiming time
• New Sound Effects toggle in Settings — sounds are short, quiet and respect the silent switch
• A calmer, clearer confirmation when Pro activates, showing exactly what unlocked
• Refined button feedback and haptics throughout
• Small polish and accessibility refinements

Borrow today. Repay tomorrow. Reclaim your time.

### 1.0 — 2026-07-26

No release notes.

## Apps similar to Time Debt

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Screen Time Blocker - Otama](https://appshunter.io/ios/app/screen-time-blocker-otama/id6784735909) | — | Free | Productivity |
| [Goalie AI](https://appshunter.io/ios/app/goalie-ai/id6746382645) | 5.0 (1) | Free | Productivity |
| [App Blocker: Verge Stop Reels](https://appshunter.io/ios/app/app-blocker-verge-stop-reels/id6759074141) | — | Free | Productivity |
| [Pausewall: App Blocker & Focus](https://appshunter.io/ios/app/pausewall-app-blocker-and-focus/id6810747212) | — | Free | Productivity |
| [Pingee: Reminders for Anyone](https://appshunter.io/ios/app/pingee-reminders-for-anyone/id6759873843) | 5.0 (3) | Free | Productivity |
| [Ask Finn](https://appshunter.io/ios/app/ask-finn/id6767293401) | 5.0 (1) | Free | Productivity |

## More apps by James Gray

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- [Fluxo: Gravity Runner](https://appshunter.io/ios/app/fluxo-gravity-runner/id6787641780)
- [Brainy Bucks: Math & Reading](https://appshunter.io/ios/app/brainy-bucks-math-and-reading/id6788619891)
- [Family Ready: Emergency Plan](https://appshunter.io/ios/app/family-ready-emergency-plan/id6792019825)

All apps by James Gray: https://appshunter.io/developer/6787461080

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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 2026-11-13.*