Debtless: AI Debt & Budget
Budget planner & card payoff
Free · In‑App Purchases · Designed for iPad. Not verified for macOS.
The AI debt coach you can chat with. Debby builds your snowball or avalanche payoff plan and shows your debt-free date. 7-day free trial on the annual plan.
Minimum payments are designed to keep you paying. Debtless shows you what they actually cost, what a little extra changes, and the exact day you get to stop.
SEE YOUR DEBT-FREE DATE
Add your debts once and Debtless works out the day you are free. Not a vague estimate: a real date, from your balances, your rates, and what you pay each month.
MAKE A PLAN THAT MOVES IT
Choose avalanche or snowball, add whatever extra you can afford, and watch the date come closer. Or work backwards: tell Debtless the date you want to be free and it works out the monthly payment that gets you there, with a month-by-month schedule.
MEET DEBBY, YOUR MONEY COACH
Debby is an AI coach who has actually read your numbers. Ask her what happens if you put an extra $150 a month toward the Visa. Ask which card to attack first and why. Ask her to draw it, and she will put a real chart in the chat: your spending, what you owe, or how much sooner you finish. She can log expenses and set up your plan while you talk.
BUDGET WITHOUT THE SPREADSHEET
Track income and expenses, and see Safe to Spend: what is genuinely yours this month after your bills and your debt payments are accounted for. Import a few months of bank statements and Debtless builds the budget from what you actually spend, not what you think you spend.
STAY ON IT
Reminders before payments are due. A celebration when a debt hits zero, and an offer to roll that freed-up payment into the next one. A weekly note on how the month is going.
PRIVATE BY DEFAULT
No bank connection required. You enter your own numbers, and your records are synced securely to your account. Optional statement imports use AI to extract the information. We never sell your data.
FREE TO START
Tracking your debts, your budget, and your payoff date is free, along with a few messages with Debby each day. Debtless Pro unlocks higher chat limits and full payoff plans.
Debtless is a planning tool, not a lender or a financial advisor. Projections are estimates based on the numbers you enter.
Terms of Use (EULA):
https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Privacy Policy:
https://www.debtless.app/privacy
• Debby can add bank and cash accounts for you, and remove several purchases at once
• Debby now remembers what you told us during setup, and your chosen voice comes through in every reply
• Adding a debt asks for the real numbers, with quick options if you're not sure
• Fixed a crash when typing to Debby, and balance checks that could get stuck syncing
• Smaller fixes and polish
The developer, Armaan Manji, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
- Identifiers
Data Linked to You
The following data may be collected and linked to your identity:
- Financial Info
- Contact Info
- User Content
- Identifiers
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Usage Data
- Diagnostics
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Armaan Manji
- Size
- 79.7 MB
- Category
- Finance
- Compatibility
Requires iOS 17.0 or later.
- iPhone
Requires iOS 17.0 or later. - iPad
Requires iPadOS 17.0 or later. - Mac
Requires macOS 14.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Annual $59.99
- Annual (Billed Today) $59.99
- Monthly $9.99
- Weekly $2.99
- Copyright
- © 2025 Debtless App Inc.
