Partner Debt Sharing (Premium) • Share debts with your partner and tackle them together • Both partners can record payments and track spending on shared debts • Every payment and transaction shows who recorded it • Set a custom display name so your partner knows who paid • Works offline — changes sync automatically when back online Debt Details • Prominent green "Record Payment" button at the top of the Overview tab for quick access • Shared badge — debts shared with a partner show a person.2 icon next to the debt name Improvements • Live interest ticker — the "Today" column now ticks up in real time, showing interest accruing second-by-second throughout the day • Interest cost card repositioned higher on the dashboard, right after challenges, so the cost of waiting is always visible before you act • Snowball breakdown card — when the debt receives extra snowball payments, a new card shows the base payment, extra snowball amount, and total monthly payment with a visual bar • Improved notification scheduling — same-day reminders are now staggered • Better progress calculation for shared credit card debts • Enhanced sync reliability with foreground refresh and deduplication • Darker green text for improved readability on light backgrounds • Comprehensive in-app help guide for Partner Sharing Bug Fixes • Fixed potential duplicate payments during sync edge cases • Other minor bug fixes and performance enhancements Thank you for using Debt Free app! If you enjoy the app, please leave a review.

Bill Tracking Improvements • Fixed duplicate bill occurrences caused by iCloud sync across devices • Autopay bills are now automatically marked as paid when their due date passes — no more false "Overdue" alerts • All Bills list now sorted newest-first for easier review • Past autopay bills no longer appear in the Upcoming section iCloud Sync • Improved sync reliability: "Sync Now" properly triggers both import and export • Automatic deduplication for bills, payments, and saving goals across devices • Background sync cleanup runs without slowing down the app • Added Sync Diagnostics screen with "Send to Support" option Saving Goals • Fixed duplicate goals appearing when syncing across devices Bug Fixes • Improved overall data integrity across iCloud-synced devices

Smarter Calculations After Payoffs Paying off a debt now correctly updates your progress everywhere — your original debt total stays accurate, and freed-up payments automatically roll into your snowball cascade to pay off remaining debts faster. Improved iCloud Sync The "Sync Now" button now triggers a real CloudKit sync instead of just showing a spinner. You'll see honest status updates and confirmation when your data actually syncs across devices. Debt Freedom Optimizer Redesign The optimizer now features larger, easier-to-read controls, full descriptions instead of truncated text, and a clear before/after comparison when you simulate extra payments. The results section guides you when you haven't started a simulation yet. More Currencies Added support for 11 new currencies: Philippine Peso, Brazilian Real, South Korean Won, Singapore Dollar, Thai Baht, South African Rand, New Zealand Dollar, Swedish Krona, Norwegian Krone, Turkish Lira, and Indonesian Rupiah. Additional Improvements • Heatmap tiles now clearly show "mo. saved" instead of ambiguous "months" • Improved fonts and contrast throughout the optimizer and heatmap • Bug fixes and performance improvements

Debt Payoff Challenges: Turn your debt payoff into a game. Take on daily challenges like the 30-Day No-Spend Challenge, Coffee Challenge, or Savings Blitz — log your progress, build streaks, and watch your savings grow. One challenge is free to try, with 9 more available for Premium members. Credit Score Impact Calculator: Performance enhancements and bug fixes Auto Pay: Set up automatic payment tracking so you never miss a due date. Bug Fixes & Improvements • Improved error handling • Net worth tracking fixes • Performance improvements

What's New • Auto-Pay(premium): Set your debts to auto-record payments on the due date — even if you forget to open the app. Supports multi-month backfill and background processing. • Apple Watch App: Check your debt summary, next payments, and payoff countdown right from your wrist. • Credit Score Impact Calculator Improvements: See how your debt payoff strategy affects your estimated credit score over time. • AI Coach Improvements: Smarter, budget-aware financial coaching with faster streaming responses. • Budget Envelopes Integration: Connect with the Budget Envelopes companion app for a unified financial picture — smart extra payment suggestions, budget-aware What-If scenarios, and DTI health tracking. • Net Worth Tracker Bug Fixes: Improved accuracy in net worth calculations. Improvements • Face ID authentication fixes • Enhanced in-app error handling with clear recovery options • Improved localization across all supported languages • Payment history now correctly shows only recorded payments • Performance and reliability improvements throughout Try our new app : Famloop - Family Organizer Privacy-first family organizer — no accounts, no social feeds, no tracking. Just your family's schedules, shared lists, and chores in one simple app. All data stays on your devices via iCloud. Download it free on the App Store https://apps.apple.com/us/app/famloop-family-organizer/id6759553830

Credit Score Impact Estimator (Premium) See how paying down credit cards affects your credit utilization ratio — the single biggest factor you can control. Includes per-card breakdown with color-coded ratings, a What-If Simulator to preview the impact of payments before you make them, and estimated FICO point changes. Smart recommendations tell you which card to target first. Net Worth Calculator Improvements • Your asset entries now persist when you navigate away — no more lost data • Keyboard-aware scrolling keeps input fields visible • Fresh new look with bold gradient hero banners • Quick access to saved snapshots from the toolbar • "View Saved Snapshots" link after saving a calculation Other Improvements • Improved readability across premium feature screens • Better text contrast on banners and card summaries • Settings: More Apps section now uses clearer black text

Apple Watch Companion (Premium): Track your debt payoff from your wrist. Syncs automatically with your iPhone. • Progress — Progress ring, remaining balance, debt-free date, and monthly payment at a glance. • Next Payment — What's due, when, and how much — with color-coded urgency badges. • Countdown — Days until debt free with motivational messages. Enhancements & bug fixes: • AI Debt Coach rebuilt — streaming responses, voice input, conversation history • Bulk Payments — record all minimum payments in one tap • Custom Categories — name your own debt type with a custom icon • Improved iCloud sync reliability and account change detection • Faster calculations and smoother dashboard performance • FaceID retries before prompting the error. • Bug fixes and stability improvements

Weekly Plan — Your Week, Organized (Premium) A brand new weekly plan breaks your debt payoff into simple, actionable tasks. Get notified when it's time to act so nothing slips through the cracks. AI Coach — Now with Streaming Responses Your AI debt coach now shows answers as they're typed — no more waiting for the full response. Ask Coach About Your Plan Tap "Ask Coach About This Plan" on your weekly plan card to get personalized prioritization advice with your full plan context pre-loaded. Ask Coach About Any Debt From any debt detail screen, tap "Ask About This Debt" to get a deep analysis with your balance, APR, and payoff strategy pre-loaded. Performance & Polish • Smoother chat scrolling • Fixed currency formatting in AI responses • Stop button now cancels AI generation mid-response • Improved due date badge readability • Bug fixes and stability improvement

Smarter Budget Integration Smart extra payment suggestions based on your budget surplus. Your AI Coach, What-If Simulator, and Payoff Plan now use real budget data to give personalized advice. New DTI health indicator on Dashboard. Dashboard Cards See upcoming bills and saving goals right on your Dashboard with one-tap mark-as-paid. Toggle cards on/off in Settings. Bills Upgrades Browse bills by month, mark all paid in one tap, set custom reminder times, and enjoy redesigned bill rows with full-width dates and status tags. Saving Goals Contribution streak tracking, milestone celebrations at 25/50/75/100%, and a polished goal list with better readability. Bug Fixes & Polish Fixed double arrows in goal rows, icon overlap on goal detail, improved text contrast, better subscription loading reliability. Japanese language support

• Budget Envelopes companion app integration — see your budget snapshot right on the dashboard • AI Debt Coach improvements and What-If Simulator fixes • Dark mode polish and improved readability throughout • Localization and accessibility improvements • Bug fixes and performance enhancements

• AI Debt Coach Chat with your personal debt coach powered by on-device Apple Intelligence. Get personalized advice, strategy comparisons, and action steps based on your actual debts. Includes hands-free voice input. • Smart Auto-Categorization : New debts and bills are automatically categorized • Dark mode overhaul Improved visibility and contrast across every screen • Bug fixes & polish — Smoother animations, better readability, and keyboard improvements As always, thank you for trusting Debt Free app on your journey to $0. If you like this app please consider rating it.

• Premium Tab — Access all your premium tools from a dedicated tab in the tab bar • Settings Relocated — Find Settings via the gear icon on your Dashboard • In-App Help Guides — Tap the ? icon on any premium screen for step-by-step guidance • Bill Tracking Improvements — Clearer summary cards, larger toggle buttons, and better contrast throughout • Smarter Navigation — What-If Scenarios, Debt Consolidation, and other tools now open inline for a smoother experience • Bug fixes and polish — Improved button visibility, iPad readability, and removed unused screens As always, thank you for trusting Debt Free app on your journey to $0. If you like this app please consider rating it.

New: Your Why: — Add a motivation note and optional photo to your dashboard — Your note appears beneath your debt-free date as a daily reminder New: Readability enhancements — Redesigned dashboard with cleaner card layouts and stronger visual hierarchy — All numbers now use rounded typography for easier scanning at a glance — Improved contrast throughout, including full Dark Mode polish — Full Dynamic Type support — the app now scales gracefully at all text sizes As always, thank you for trusting Debt Free app on your journey to $0. If you like this app please consider rating it.

New: Saving Goals (Premium) • Track multiple saving goals with photos and target dates • Smart projections show how much to save each week or month • Log contributions and track your progress with visual charts • Set reminders to stay on track New: Recent Payment Activity • See your last 5 payments right on the dashboard • Tap any payment to jump to that debt's details Bug Fixes • Fixed an issue where deleting a bill in Bill Tracking would not remove it • Fixed monthly summaries incorrectly including amounts from deleted bills • Dashboard cards now have clean white backgrounds for better readability • Minor text and layout refinements

• Monthly Report Card — Auto-generated monthly debt payoff progress summary • Monthly Digest Notification — Configurable push notification that deep-links to the Monthly Report Card • Net Worth Tracker (Premium) — Track assets vs debts, visualize net worth over time • Updated app icon Bug fixes: • Fixed keyboard Done button disappearing in sheets • Fixed 0% APR validation in consolidation calculator • Fixed decimal precision in imported debt balances

What's New: • Interest Cost Ticker — A new dashboard card shows your daily interest cost across all debts. • "Paid" badge on due dates — When you've already paid this month, the due date banner now shows a green "Paid" label so you know you're covered. • A brand new app icon. • Balance Transfer Analyzer — Enter a 0% APR offer and instantly see if transferring your balance saves money after fees. Compare your current plan vs the transfer side-by-side. (Available in Premium) • Debt Consolidation Analyzer — Compare combining your debts into one loan. See if you'd save on interest and monthly payments. (Available in Premium) Bug fixes & enhancements: • Fixed calculator history for new calculator types, improved percentage display in insights charts, and other • Improved text field tapping — Input fields in calculators are now easier to tap and focus.

Apple Wallet Integration: •Import your Apple card and transactions directly from Apple Wallet. See charges and payments update automatically without manual entry. Bug fixes and enhancements: • A brand new app icon • Smoother iCloud sync with better conflict handling • Subscription and billing reliability improvements • Consistent upgrade experience throughout the app • Other minor bug fixes and enhancements

What's New • Siri & Shortcuts — Ask Siri to check your next payment, get a debt summary, list all debts, find your debt-free date, or record a payment. Works with the Shortcuts app for custom automations. • Live Activities & Dynamic Island (Available in Premium) — Track your next payment due date right on the Lock Screen and Dynamic Island. Tap "Track on Lock Screen" on your dashboard to start • Spotlight search: Search for any debt from the iOS home screen. Swipe down and type a debt name — results show the current balance and APR • Custom reminder time — Choose your preferred notification time in Settings instead of the default 9:00 AM • Widgets refresh instantly — Home screen widgets now update immediately after recording a payment, whether through the app or Siri • Payment history sort — Payment history now sorted by date (newest first) • Store a lender's phone number and website link on each debt so you can call them with one tap from the detail screen. • The dashboard donut chart is now interactive. • Added contextual tips Bug Fixes • Fixed premium status not updating in Settings immediately after upgrading • Minor bug fixes and enhancements

What's New Bug Fixes • Fixed paid-off debts still appearing in Next Payment • Fixed Full Balance payment sometimes requiring multiple taps • Fixed blank Dashboard after paying off all debts Enhancements • Optimized layout for iPad full screen • Better text scaling for accessibility (Dynamic Type support) • Compact date format in payoff order • Share your progress as a beautiful image card from dashboard with friends and family. • Special trophy celebration when you become completely debt free

Dashboard : - record payments and view debt details right from the home screen for next payment due debt - Fixed savings comparison to show consistent numbers across dashboard and insights Payment Due Dates - New urgency indicators on each debt card show when payments are due soon or overdue - Color-coded text: red for overdue/due today, orange for due within 3 days, yellow for due within a week Payment Improvements - Fixed mortgage payments incorrectly applying escrow (taxes, insurance, PMI) to principal — balances are now calculated correctly - "Last paid" date now shows under each debt so you always know which bills are current - Removed unsupported weekly/biweekly frequency options to avoid confusion(This feature is coming soon) Settings - Snowball payment settings relabeled for clarity — "Debt Snowball Amount" section with "Extra Payment" toggle - Bug fixes and performance improvements

Bill Tracking (Premium): Your bills and your debt payoff plan — finally in one place. The new Bills tab helps you see the full picture of your monthly obligations so you can make smarter decisions about how much to throw at your debt. • Track all recurring bills alongside your debts — housing, utilities, insurance, subscriptions, and more • See a monthly summary showing what’s paid, what’s remaining, and what’s overdue • After all bills are covered, see exactly how much you can put toward debt payoff each month • Get reminders before due dates so late fees never eat into your debt payoff budget • Mark bills as autopay or manual to know which ones need your attention • Tap to mark payments as done and track your history over time Paying off debt isn’t just about extra payments — it’s about knowing where every dollar goes. Bill Tracking closes the gap between your income, your obligations, and your debt-free goal. * Available with Debt Free Premium

- Enhanced iPad experience with optimized layout - Various bug fixes and improvements

What's New - added learn tab in debt details to show you real, personalized insights on the debt. - fixed due date notifications. Now you get reminders at exact dates configured for each debt - enhanced dashboard screen, now easy to read and packed with more insights - fixed several minor issues with payoff date calculations - added option to exclude a debt from snowball calculation(Ex: Add mortgage to track but don't want to apply snowball) - other minor bug fixes and enhancements *Introducing Debt Free Premium with below features: (Subscription required $1.99/month): 1 AI Debt Coach(iOS 26 required) — Get personalized, on-device payoff advice powered by Apple Intelligence. 2. What-If Simulator — See how extra payments, bonuses, or windfalls change your debt-free date instantly. 3. Debt Freedom Optimizer — Model side income and lump-sum scenarios to find the fastest path to zero. 4. Debt Freedom Heatmap — Visual calendar showing month-by-month impact on your payoff timeline. 5 Advanced Charts & Analytics — Interactive interest breakdown, payoff timeline, and payment history charts. 6 PDF Reports & CSV Export — Generate shareable reports and export your data to Excel anytime. 7 Home Screen Widget — Track your debt-free countdown and progress ring right from your home screen. 8. Smart Payoff Nudges — Timely, personalized reminders powered by Apple Intelligence to keep you on track.

- Payment History is now available so you can track all your payments/transactions in one place.  - We've resolved persistence issues to ensure payments and transactions save reliably.  - A new currency selection option has been added to Settings.  - Added email debt report option from dashboard - Matched percent paid calculations with old app logic - added snowball payment description at each row in payments - added fix to show legacy payments history - Minor bug fixes and small improvements.

- Fixed percentage progress values for data imported from the legacy database. - Improved readability of charts and labels across the dashboard. - Resolved minor bugs and applied general enhancements.