Debtless
Private debt payoff planner
Only for iPhone
Free · Designed for iPhone. Not verified for macOS.
iPhone
See your projected debt-free date, compare payoff strategies, and log payments. Every feature is free, with no ads, subscriptions, bank linking, or account.
100% free. No ads. No subscriptions.
Debtless keeps the number that matters most—the date you are projected to be debt-free—at the top of your plan. Add debts manually or scan a statement, log payments, and see the projection move as your balances change.
EVERY FEATURE IS FREE
• Track unlimited debts, payments, due dates, and savings goals
• See total debt, minimum payments, payoff progress, and a projected debt-free date
• Log quick extra payments without exceeding the remaining balance
• Compare avalanche, snowball, and hybrid payoff strategies
• Explore payoff questions with the on-device Plan Assistant on compatible Apple Intelligence devices
• Use Apple Intelligence-enhanced statement extraction on compatible devices
• Get Earn ideas tailored to your skills and most expensive debt
• Set local due-date reminders and export your ledger to CSV
There is no subscription, in-app purchase, paywall, advertising, or paid feature tier. Generated features have no message or scan quotas because processing runs on-device.
PRIVACY BY DESIGN
There is no bank linking or sign-in account. Your debt ledger, statement processing, saved Plan Assistant conversation, prompts, and generated output stay on your device. On compatible devices, generated features use Apple's Foundation Models framework and Apple Intelligence with no network AI fallback. Debtless does not sell your data, record product usage, or include third-party ad, tracking, or analytics SDKs.
Apple Intelligence and other generated output can be incomplete, outdated, misleading, or wrong. Debtless and its Plan Assistant are software planning and education tools, not financial advisers, and do not provide financial, legal, tax, credit-repair, lending, or investment advice. Verify important figures and creditor terms before acting.
Terms: https://debtlessapp.com/terms/
Privacy: https://debtlessapp.com/privacy/
• Updated website, support, and privacy links to debtlessapp.com.
• Improved the timing and reliability of optional App Store review requests after payment and payoff milestones.
The developer, Logan Moore, 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.
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Logan Moore
- Size
- 5.6 MB
- Category
- Finance
- Compatibility
Requires iOS 18.2 or later.
- iPhone
Requires iOS 18.2 or later. - Mac
Requires macOS 15.2 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 2.2 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- Copyright
- © 2026 Logan Moore