Debt Payoff Tracker - DebtFree

Snowball & Avalanche Planner

Free · In‑App Purchases · Designed for iPad. Not verified for macOS.

Build a payoff plan that adapts to real life. Protect minimums, keep a safety buffer, schedule funding changes and repair forecasts without losing history. Debt Payoff Tracker - DebtFree helps you track and pay off credit cards, loans and more. Choose Snowball, Avalanche or a custom plan and see your payoff date. PLAN AROUND REAL LIFE • See what remains after essentials, debt minimums and your safety buffer • Schedule recurring extras, one-time income, reduced months and skipped extras • Set per-debt rules while required minimums stay protected • Reconcile statement balances and compare the previous and revised forecast • Review the assumptions behind every projection Take control of your money and make a plan that actually works. DebtFree is a simple, focused debt payoff tracker that helps you organize loans, credit cards, mortgages and more, then helps you understand what to focus on next. How it helps • Add any debt: credit cards, student loans, auto loans, medical bills, personal loans and mortgages. • Choose a payoff strategy: Snowball (smallest balance first), Avalanche (highest interest first) or create a Custom Plan. • See the result: payoff date, monthly breakdowns, interest saved and visual progress so you stay motivated. Smart tools you’ll use everyday • Payment reminders so you never miss a due date. • Extra-payment scenarios — test one-off or recurring extra payments to see how much time and interest you’ll save. • Interest savings calculator and clear charts that make numbers meaningful. • Export to PDF and keep records when you need them. • Dark mode and a clean, distraction-free iOS experience. Debt Coach Ask questions and get tailored, actionable suggestions based on your profile. The Debt Coach provides informational guidance to help you compare payoff approaches and make better decisions. (Not financial, legal, or tax advice — see disclaimer.) Privacy & syncing • Privacy first: your core financial data stays on your device by default. • Premium includes manual iCloud backup and restore in your personal iCloud account. • No third-party ads or tracking. Free vs Premium Free plan: track up to 3 debts, use payoff strategies, reminders and Debt Coach. Premium: unlimited debts, advanced analytics, PDF export, manual iCloud backup and restore, custom payoff ordering. Subscription & trial 3-day free trial available. Monthly, yearly and lifetime purchase options are offered (managed via your Apple ID). Subscriptions auto-renew unless cancelled at least 24 hours before renewal. Important disclaimer DebtFree is a debt management and tracking tool. It provides estimates and educational guidance only and is not a substitute for professional financial, legal, or tax advice. Always consult a qualified advisor for major financial decisions. Get started in minutes — enter your debts, pick a plan, and watch your progress. DebtFree makes paying off debt less stressful and more predictable. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://sunnysaas.github.io/debt-free/

Ratings & Reviews

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DebtFree 1.4 adds a payoff plan that adapts to real life. • Cash Flow Guardrails show what remains after essentials, minimums and your safety buffer • Flexible Funding Calendar for extra income, reduced months and skipped extras • Per-debt plan rules with minimum payments protected • Clear Projection Basis details • Stronger statement reconciliation with before-and-after forecasts • Improved localization and reliability

Version 1.4

The developer, Musku Akshay Reddy, 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 Not Collected

    The developer does not collect any data from this app.

    Privacy practices may vary, for example, based on the features you use or your age. Learn More

    The developer indicated that this app supports the following accessibility features. Learn More

    • Supported Features

      • Dark Interface

      • Sufficient Contrast

    Information

    Seller
    • Musku Akshay Reddy
    Size
    • 12 MB
    Category
    • Finance
    Compatibility
    Requires iOS 16.2 or later.
    • iPhone
      Requires iOS 16.2 or later.
    • iPad
      Requires iPadOS 16.2 or later.
    • Mac
      Requires macOS 13.1 or later and a Mac with Apple M1 chip or later.
    • Apple Vision
      Requires visionOS 1.0 or later.
    Languages
    English and 9 more
    • English, Arabic, Dutch, French, German, Italian, Japanese, Korean, Portuguese, Spanish
    Age Rating
    4+
    In-App Purchases
    Yes
    • Annual Premium $9.99
    • Monthly Premium $1.99
    • Premium Lifetime $19.99
    • Learn More
    Copyright
    • © 2026 DebtFree. All rights reserved.
  • Privacy Policy

    • More by Musku Akshay Reddy

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