Take control of your finances with Debt Free. Turn stress into a clear payoff plan—track progress, stay motivated, and get debt-free faster with the debt snowball method.
※ 100% FREE WITH UNLIMITED DEBTS — No subscriptions required for core features
Track Unlimited Debts, Use All Payoff Strategies, and Sync Across Devices with iCloud — Completely Free. Only advanced insights and optimization tools are part of Premium.
※ Top-Selling Finance App
※ Featured by Apple in “What’s Hot”
※ Featured in WIRED — App Guide
※ Trusted by 300,000+ users
※ Optimized for iOS 18 & iOS 26
※ The original Debt Free app — trusted by users for over a decade.
※ “Debt Free makes it easy to confront debt and manage it wisely.” — 148apps
※ “Snowballs made easy with the Debt Free iPhone app.” — Credit.com
※ Pay Off Debt Faster
Pay off debt faster with Debt Free a powerful debt payoff planner, debt snowball calculator, loan calculator, and budget tracker for iPhone and iPad.
Eliminate credit card debt, student loans, car loans, and mortgages using proven strategies like Debt Snowball and Debt Avalanche. Build a repayment plan, reduce interest, and see your exact debt-free date.
※ What Our Customers Say
※ ※ ※ ※ ※ “By far the most well-developed debt payoff planner I’ve used.”
※ ※ ※ ※ ※ “Easy to use and practical.”
※ ※ ※ ※ ※ “Sync across devices works perfectly.”
※ ※ ※ ※ ※ “Perfect blend of features.”
※ ※ ※ ※ ※ “Helped me pay off $13,500 in 5 months.”
※ How It Works
• Add your debts (credit cards, loans, mortgages)
• Choose a payoff strategy (Snowball, Avalanche, or custom)
• Follow your repayment schedule
• Track progress and become debt-free faster
※ Smart Payoff Strategies
• Debt Snowball, Avalanche, Highest Balance, or Custom Order
• Compare strategies and see which gets you debt-free faster
• Extra payment calculator shows interest and time saved
※ Payoff Planner & Repayment Schedule
• Step-by-step debt payoff plan for your strategy
• See the order your debts will be paid off
• Track snowball rollover as payments accelerate
• Adjust payments and update your payoff timeline
• Visual repayment schedule with projected debt-free date
※ Dashboard & Progress Tracking
• Real-time dashboard with progress ring and debt-free date
• Track total debt, payments, and interest saved
• Payoff timeline and milestone tracking
• Monthly reports and summaries
※ Payment Tracking & Reminders
• Record payments and update balances instantly
• Smart reminders and due date tracking
• Avoid missed payments and late fees
• Apple Wallet transaction import
※ Financial Calculators
• Debt payoff calculator
• Loan and mortgage calculators
• Balance transfer calculator (Premium)
• Debt consolidation calculator (Premium)
• Net worth tracker (Premium)
※ Reports & Insights
• Debt breakdown by category
• Payoff timeline and repayment schedule
• Advanced charts and interest breakdowns
• PDF reports and summaries
※ Sync & Apple Features
• iPhone and iPad — one purchase, all devices
• iCloud sync across devices
• Siri Shortcuts and Home Screen widgets
• Works offline — no account required
※ Unlock Premium
• AI Debt Coach — personalized insights
• Bill Tracking — never miss a due date
• Debt Groups — organize debts
• What-If Simulator — test payoff scenarios
• Debt Freedom Optimizer — accelerate payoff
• Advanced Charts & Reports
• Balance Transfer & Consolidation tools
• Net Worth Tracker & more
※ Why Debt Free?
• 100% private — data stays on your device and iCloud
• No external ads, no tracking, no data selling
• Built for people serious about becoming debt free
• Works offline — perfect for budgeting anywhere
• Trusted since 2014 — all core functionality absoultly free
Includes debt payoff calculator, loan calculator, mortgage calculator, and repayment tools to plan faster.
※ Join thousands who have paid off their debt with Debt Free
※ Start your debt-free journey today
Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Privacy Policy: https://www.mobileinnov.com/PrivacyPolicy.html
This app is super simple to use. Just enter your debt, interest rate, min payment, due date, credit limit (or original balance) and current balance. It then tells you how much total debt you have and how soon you can pay it off using the calculated plan you choose (snowball or not, highest interest, lowest balance, custom, etc). It really opened my eyes to my debt situation and gave me a clear plan...for that it deserves 5 stars.There are a couple of issues that are mentioned in previous reviews. When you make a payment, it doesn’t credit it in the payment schedule. For example, I owed MasterCard $200 and Visa $400. Making an August payment of $200 to MasterCard and $25 to Visa, means that my September payment should be $225 to Visa. Instead it now wants me to make another August payment of $225 to the Visa. I would think that this would be an easy fix for the app designers.Knowing that the app does this, means that I am just looking at due dates and applying the snowball payment to the correct debt, while paying minimum payments to everything else.
Lost all my saved info
Gunner5978
I have used this app for many years and loved it. The calculators helped me plan and be strategic in paying off loans and save money. The app was updated without any warning and the new format deleted all of my saved calculators and important information. The new format does not appear to be as user friendly and I’m being advised there is no way to recover the lost information I had previously saved in the saved calculators. I guess all good things eventually come to an end and that seems to be the case with this app unfortunately. I regret not saving the information I was using in another format but this has taught me a very valuable lesson. I just wish that the developer(s), would have given some advance warning that information would be lost forever with this update so we could have prepared and saved/preserved the valuable information before losing it forever. I ranked the original app a 5 but the new design and loss of saved information is making me look for another app moving forward. Thanks for teaching me a very valuable lesson by learning the hard way:(
Developer Response
We sincerely apologize for the data loss during the update. Latest version 6.2.4 contains the fix for this issue . To recover your app date navigate to Settings -> Data Recovery -> "Recover My Data".
Very happy again! Bugs being worked out with the new interface!
Bahbag1
I’ve been using this app for several years now and it’s amazing. The interface is changed and the developers are in the process of fixing some bugs. Initially I came on here and gave a bad review because I was unhappy with the changes. But I decided to email them and give feedback. The developers were very quick to respond, have already fixed several things I complained about, and they are in the process of fixing a few bugs. I appreciated their helpfulness, not many app developers respond to me when I complain haha. So if you were a user and became unhappy, they are working on the changes and you can email them for questions and feedback!!!
Great aid to pay off debts
Jimv71
This app will give you a visual of which debts have higher APRs easily and sort them to the top so you can pay extra on them first. Then it will roll a paid off loan payment to the next higher APR debt so you can snowball your payments to save you $$ in finance charges. You just have to follow the payment schedule and it will give you the date they will be paid off. You have to revise the APRs in the app manually if they change.I had updated to the 6.2 version and lost my old info but worked with the developer testing their revisions and got my data back. If you’re experiencing this, DON’T delete the app. Another revision should be on the way.
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
Version 7.2.8
The developer, Mobile Innovations LLC, 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
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Seller
Mobile Innovations LLC
Size
14.6 MB
Category
Finance
Compatibility
Requires iOS 18.6 or later.
iPhone Requires iOS 18.6 or later.
iPad Requires iPadOS 18.6 or later.
Mac Requires macOS 15.6 or later and a Mac with Apple M1 chip or later.
