• 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.

Old data migration: - fixed another issue with old data migration. Data migration now works for all old file formats. **How to use Data Recovery Tool:** Settings → Data Recovery → "Recover My Data" We apologize to anyone affected by this bug. Thank you for your patience and support! Other fixes and enhancements: - added Custom payoff strategy - fixed badge count value for payment reminders - added iCloud sync status banner - minor bug fixes and enhancements

## Data Recovery **NEW: Data Recovery Tool** A new Data Recovery section in Settings can automatically restore your data. We apologize to anyone affected by this bug. Thank you for your support! **How to use Data Recovery Tool:** Settings → Data Recovery → "Recover My Data" *** Other Enhancements • Enhanced Progress Breakdown with visual cards • Compare your plan vs minimum payments only • Track interest savings in real-time • Motivational insights at every milestone • Beautiful animations and modern design • See months saved and money kept in your pocket • Minor bugfixes and enhancements

- added iCloud sync support (Syncs your data across all your devices with same iCloud account) - fixed issue with legacy data migration - fixed some UI issues dark mode on dashboard

Major update: iOS 18+ Required - Built with the latest Apple technologies for the best experience Visual Journey Timeline - See your entire debt payoff path with beautiful milestone cards Enhanced Dashboard - Redesigned with progress rings, motivational countdowns, and interactive charts Lightning Fast - 95% faster calculators with instant responses and buttery smooth 60fps animations Face ID Protection - Secure your financial data with biometric authentication Haptic Feedback - Tactile confirmation throughout the app for every important action Beautiful Design - Gradient cards, animated milestones, and color-coded debt categories Snowball Savings - See exactly how much interest and time you're saving with your strategy Polished UX - Success toasts, focus indicators, and improved scrolling in Settings Performance - 8% less memory usage, optimized animations, zero lag Ready for Your Journey - The most refined and delightful debt-free experience yet! Note: Legacy sync support for app data is removed. We will replace it with iCloud sync in next release

This update from Apple will improve the functionality of this app. No new features are included. * iOS 11 maintenance release * Minor bug fixes and enhancements.

iOS8 Maintenance release

※Debt Free 5.6※ --------------------- 1. Fixed keyboard issue with record payment screen in iPad in landscape mode. 2. Changed navigation bar color to light blue. 3. Increased the debt pay off progress bar size. 4. Fixed a crash on analysis screen. 5. Attachments to transactions now stored as it is without scaling the image. 6. Minor bug fixes and enhancements. ※ ※ ※ ※ ※ If you like this update please support us with positive rating/review on app store. We really appreciate your support!.

※Debt Free 5.5※ --------------------- 1. Optimized UI for iOS7. 2. Fixed sync issue with iOS7 devices 3. Fixed issue with showing wrong payment in record payment screen for mortgage debt. 4. Added option to rename a debt. 5. Fixed issue with attaching payment schedule in html format to email. 6. Fixed finance calculators not allowing loan length less than 1 year. 7. other minor bug fixes and enhancement. ※ ※ ※ ※ ※ If you like this update please support us with positive rating/review on app store. We really appreciate your support!.

1. Added mortgage related overhead options.(Taxes,Insurance,PMI). 2. Minor bug fixes and enhancements. ------------------------------ ※ Please checkout our new app ※ ➜ "Easy Expenses Tracker"

❖❖ Maintenance Release for iOS6/iPhone5 --------------------------------------- ※ Optimized UI for iPhone5. ※ Minor bug fixes and enhancements.

※ Added last payment details in debts list screen. ※ Added option to clear Introductory APR's. ※ Fixed layout issue in Debt details screen on iPad. ※ Minor bug fixes and enhancements. Previous Update features: ------------------------- 1. Added sync support between devices. 2. One click backup restore. 3. Print and email reports in PDF. 4. Custom backgrounds. 5. Minor bug fixes and enhancements. ------------------------------ ※ Please checkout our new app ※ ➜ "Budget Envelopes"