See your credit health at a glance, and log payments faster than ever. NEW: Credit Utilization on your Dashboard - A new card shows how much of your credit limits you're using, overall and per card, with a simple color guide. - Staying under 30% is great for your credit score, and now you can watch it drop as you pay down balances. - It appears only if you track credit cards with a limit set, and stays neatly tucked away until you tap to expand. NEW: Log a Payment from Control Center - Add "Log a Payment" to Control Center, your Lock Screen, or the Action Button. - One tap jumps you straight to recording a payment on your next-due debt, no digging through the app. Improvements - The AI Debt Coach now shows a friendly "preparing" screen while Apple Intelligence finishes setting up, and opens automatically the moment it's ready. - Clearer "Interest Saved" in your Progress Breakdown, so it matches your total savings versus minimum payments. - Sharper, easier-to-read text across the AI Coach setup screens. Fixes - Fixed the "Total Paid" figure in Advanced Charts, which could show an incorrect total. - Fixed a rare issue where amounts could look inflated after syncing across multiple devices. Your totals now stay accurate. - Clearer messages if a subscription purchase can't be completed, with guidance to get you sorted quickly. Thank you for the thoughtful suggestions. Many of these came straight from your emails. Keep them coming! Love Debt Free? Please leave us a review. Your rating is the single biggest way to help others on their debt free journey find this app. It only takes a moment in the App Store. Thank you for being part of the journey!

What's New in Debt Free Build a safety net, and see your goals in your own currency. NEW: Emergency Fund (Premium) - Set up a dedicated safety buffer so a surprise expense, like a car repair or a vet bill, does not undo your debt payoff progress or force new borrowing. - We suggest a target automatically from the bills you already track. Choose a Starter (1 month), Recommended (3 months), or Resilient (6 months) buffer. - No bills tracked yet? Set your own target and everything else works the same. - Your Emergency Fund is marked with a shield so it stands apart from your other goals. NEW: Withdraw from Saving Goals - Life happens, so now you can withdraw from any saving goal, not just add to it. - Balances, progress, and remaining amounts stay accurate when you dip into your savings. - Every deposit and withdrawal is clearly labelled in your goal history. Improvements - Saving Goals now display in your chosen currency. Set it once in Settings, then Currency, and every screen follows, from goal targets to contributions. 23 currencies supported. - Reorder your saving goals. Tap Edit and drag them into any order you like. - Gentle, dismissible prompts on your Dashboard and Bills screen suggest an Emergency Fund only when it makes sense, never nagging. Fixes - Fixed a false sync mismatch warning that could briefly appear after adding data, even when everything had synced correctly. Thank you for the thoughtful suggestions. Many of these came straight from your emails. Keep them coming! Love Debt Free? Please leave us a review. Your rating is the single biggest way to help others on their debt free journey find this app. It only takes a moment in the App Store. Thank you for being part of the journey!

What-If Simulator — windfall fix Adding a one-time windfall (a bonus, tax refund, or extra payment) to a What-If scenario now correctly updates your payoff date and total interest. Previously the windfall was ignored, so the scenario looked the same as your current plan. You'll now see the real impact of putting a lump sum toward your debt — applied to the debt you choose, or automatically to whichever debt your strategy targets first. Easier multi-device recovery Reinstalled the app or set up a new device? DebtFree now automatically restores your household plan from iCloud, and if it needs a hand there's a new "Restore Previous Household" option so you can pick up right where you left off. Clearer syncing across devices Added a helpful reminder when deleting a debt: if you use DebtFree on more than one device, make the change on one and give it a moment to sync before opening the app elsewhere — so your changes stick everywhere. Plus general bug fixes and reliability improvements. Thanks for using DebtFree — we're rooting for you on your debt-free journey.

Share your entire debt-free plan with your household. NEW: Household Mode (Premium) • Flip a switch and share every debt, saving goal, and recurring bill with your partner or family — up to 10 members per household • One shared dashboard: same balances, same payoff date, same progress on every device • Either side can record a payment, edit a debt, or mark a bill paid — the other device updates automatically • Payoff strategy (Snowball / Avalanche / Custom) and your extra monthly payment stay in sync too • Each shared edit shows "Edited by [partner's name]" so you always know who touched what • Owner-only deletions protect against accidents — members can edit but not destroy • Leave any time with your data: "Take a Copy" keeps everything on your device as personal data again • Set a custom display name so attribution reads "Edited by Sam" instead of an Apple ID • Detailed in-app help — tap the ? button at the top of Household Mode for the full reference • Syncs over iCloud (no servers, no accounts to create) — typically 30 seconds, occasionally a few minutes when iCloud is slow Improvements • Debt-Free Date now displays as "Sep 15, 2028" everywhere — abbreviated month fits comfortably on every device width • "Active Debts" and "Accounts" counts on the Debts list now match what's visible in the unified list • Cleaner sync error messages — when something goes wrong joining a household (iCloud paused, network down, invite expired) you get a plain-language explanation with the next step Fixes • Resolved a sync edge case where a recorded payment could over-deduct the balance by the interest portion on the partner's device • Improved cold-launch behavior so the initial household sync banner appears while data is being pulled • Enhancements and minor bug fixes to Household mode

Share your entire debt-free plan with your household. NEW: Household Mode (Premium) • Flip a switch and share every debt, saving goal, and recurring bill with your partner or family — up to 10 members per household • One shared dashboard: same balances, same payoff date, same progress on every device • Either side can record a payment, edit a debt, or mark a bill paid — the other device updates automatically • Payoff strategy (Snowball / Avalanche / Custom) and your extra monthly payment stay in sync too • Each shared edit shows "Edited by [partner's name]" so you always know who touched what • Owner-only deletions protect against accidents — members can edit but not destroy • Leave any time with your data: "Take a Copy" keeps everything on your device as personal data again • Set a custom display name so attribution reads "Edited by Sam" instead of an Apple ID • Detailed in-app help — tap the ? button at the top of Household Mode for the full reference • Syncs over iCloud (no servers, no accounts to create) — typically 30 seconds, occasionally a few minutes when iCloud is slow Improvements • Debt-Free Date now displays as "Sep 15, 2028" everywhere — abbreviated month fits comfortably on every device width • "Active Debts" and "Accounts" counts on the Debts list now match what's visible in the unified list • Cleaner sync error messages — when something goes wrong joining a household (iCloud paused, network down, invite expired) you get a plain-language explanation with the next step Fixes • Resolved a sync edge case where a recorded payment could over-deduct the balance by the interest portion on the partner's device • Improved cold-launch behavior so the initial household sync banner appears while data is being pulled

What's New: A major new planning tool, redesigned screens, and delightful celebrations along the way. NEW: Target Date Planner • Tell Debt Free WHEN you want to be debt-free — your wedding, a sabbatical, your 40th birthday — and the planner instantly solves for how much extra you need to add each month to get there • See exactly what your plan needs, then apply it to your strategy with a single tap • The right answer to "how do I retire this debt by then?" is now built in Dashboard • Redesigned Debt-Free Goal card with animated progress ring and confetti at every milestone • New milestone tracker celebrates 25%, 50%, 75%, and 100% wins automatically Payoff Plan • Brand-new Freedom Day hero with checkered-flag icon and unambiguous full dates • "Your Journey to Freedom" timeline reimagined with category-colored milestones and gradient connectors • Payment Order cards redesigned with never-wrap APRs, monospaced amounts, and a "Next focus" badge Debts List • Currency amounts always render on one line — no more wrapped trailing zeros • Neutral card surfaces; category color now lives only inside the icon badge • Paid-off debts now live on their own dedicated "Paid Off Debts" screen — tap into it from the list to see your wins, while your active debts stay front and center • Red is reserved for overdue states only Settings • "Debt Snowball Amount" renamed to Extra Monthly Payment everywhere — clearer for any strategy • "Lowest Balance First" removed from the picker (it was identical to Snowball — existing users auto-migrated) • Refreshed hero card, unified strategy picker, simpler iCloud sync status with live "last synced" timestamp Love Debt Free? Please leave us a review! Your rating is the single biggest way to help others on their debt-free journey find this app. It only takes a moment in the App Store — tap the stars and let us know what you think. Thank you for being part of the journey!

What's New: IOU Tracker — Keep track of who owes what • Track informal loans with friends and family — who owes you and what you owe • Link contacts and reach out directly via call, text, or email with pre-written reminders • Create custom categories with icons and colors to organize your IOUs • Insights dashboard with balance breakdown chart, category analysis, and activity timeline • Filter by active, settled, direction, and mark IOUs as settled when paid back • 3 free IOUs, unlimited with Premium Smarter Notifications • Personalized monthly digest with your payment progress and next steps • Gentle re-engagement nudges if you haven't checked in recently • iCloud sync health alerts to keep your data in sync Dashboard Improvements • See up to 3 upcoming payments at a glance (previously only 1) • Refreshed progress ring animation with glow effect Apple Watch Enhancements • New watch face complications — see your debt progress right on your watch face • Debt Progress complication: circular gauge, inline text, and corner styles showing payoff percentage • Debt Countdown complication: rectangular view with days until debt-free and remaining balance • Upcoming payments view now shows up to 3 next payments with urgency badges and haptic alerts • Sync status indicator on the summary screen shows when data was last refreshed Bug Fixes & Polish • Improved iCloud sync reliability • Various stability improvements

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