CFTPay vs My Debt Freedom
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
CFTPay
Manage your special purpose account for debt settlement with ease. Check balances, monitor transactions, view statements, and contact support directly from your mobile device.
- View account balance
- Monitor transactions
- Check deposit dates
- Download account statements
- Review profile information
- Contact customer support
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The CFTPay mobile app is the simplest, easiest way to check your balance, transactions, and more from wherever you are. FEATURES - View your special purpose account balance - Monitor transactions related to your account - Check your next deposit date - View and download account statements - Review your profile information - Easily contact customer support WHO CAN USE THIS APP You can use this app only if your debt settlement company has partnered with CFTPay to provide your special purpose account. If you are not able to sign in, please check your program materials to confirm whether or not CFTPay is your special purpose account provider. ABOUT CFTPay Your CFTPay special purpose account is created when you enroll in a debt settlement program with one of our partner debt settlement companies. Downloading this app gives you quick and easy visibility into your account. Please note that CFTPay is not your debt settlement company — if you need information about your debt settlement program and don't know where to find it, please contact your debt settlement company directly. CFTPay and the CFTPay mobile app are services of Finxera Inc.
My Debt Freedom
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.
- 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
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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/
Screenshots
Verdict
The clearest difference is rating: My Debt Freedom at 5.0 against CFTPay's 2.3. My Debt Freedom also leads on update cadence (fortnightly vs every 6 weeks). CFTPay's advantage is in-app purchases (none vs 2) and ratings volume (32 vs 1). On price, ads and device support there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. My Debt Freedom sells 2 in-app purchases, starting at $4.99 per month. CFTPay asks for nothing beyond the download.
My Debt Freedom holds the better App Store score, 5.0 against 2.3. That said, the two scores are not equally well evidenced: CFTPay has 32 ratings behind it against 1, so its average is the more settled of the two.
CFTPay ships an update every 6 weeks, My Debt Freedom fortnightly. The most recent releases landed on November 2, 2026 and October 31, 2026 respectively.
| Parameter | CFTPay | My Debt Freedom |
|---|---|---|
| Price | Free | Free |
| Rating | 2.3 (32 ratings) | 5.0 (1 ratings) — better |
| Positive reviews | 10.0% of reviews | — |
| Number of ratings | 32 — better | 1 |
| Update frequency | Every 6 weeks | Fortnightly — better |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Monetization | Free — better | Freemium |
| Devices | iPhone, iPad, iPod — better | iPhone, iPad |
| Requires iOS | 15.1 — better | 18.0 |
| Further details — not scored | ||
| Size | 33 MB | 6 MB |
| Age rating | 4+ | 4+ |
| Developer | Finxera Inc. | MATTHEW ALLEN CHAPMAN |
Customer experience
CFTPay
My Debt Freedom
In-app purchases
CFTPay
No in-app purchases
My Debt Freedom
- Freedom Monthly$4.991 Month
- Freedom Yearly$39.991 Year
Questions
Is CFTPay free?
Is My Debt Freedom free?
Which has better reviews, CFTPay or My Debt Freedom?
Do CFTPay or My Debt Freedom have ads?
Which is updated more often, CFTPay or My Debt Freedom?
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