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Debt Payoff Tracker - DebtFree
Get Debt-Free Date Plan Faster
Free · In‑App Purchases · Designed for iPad. Not verified for macOS.
Turn scattered debts into one clear debt-free date. Know what to pay next, adjust when life changes, and keep moving forward—privately on your iPhone.
DebtFree is a private debt payoff planner for iPhone. It helps you organize credit cards, personal loans, student loans, auto loans, medical bills and mortgages, then turns those balances into a clear plan built from your numbers.
TURN DEBT INTO A DATE
• Compare the Debt Snowball, Debt Avalanche and your own custom payoff order
• See an estimated debt-free date, projected interest and what to pay next
• Follow a month-by-month table showing payments, principal, interest and balance
• Record regular, extra, partial, principal-only and lump-sum payments
• Test an extra payment before changing your active plan
WHEN REAL LIFE CHANGES THE PLAN
Debt payoff rarely follows a perfect spreadsheet. Plan around paydays, essential commitments and a safety buffer. Schedule recurring extras, one-time income, reduced-payment months or a temporary return to minimum payments. DebtFree previews how a change may affect your date and estimated interest before you apply it.
ARE YOU STILL ON TRACK?
Compare the projected balance with your latest statement. If interest, fees or timing changed the result, DebtFree records a transparent adjustment and rebuilds the future plan without erasing payment history. Calculation explanations show the information and assumptions behind each projection.
PRIVATE BY DESIGN
No bank connection or DebtFree account is required. Core financial data stays on your device by default. There are no third-party ads or tracking. Premium includes manual backup and restore through your personal iCloud account.
READY FOR iOS 27
Built with the iOS 27 SDK for the latest iPhone experience, including native navigation, privacy-first Siri Shortcuts, configurable widgets and on-device intelligence on supported devices. DebtFree continues to support iOS 16.2 and later.
FREE & PREMIUM
New free users can track up to 3 active debts, record payments and use essential payoff planning and basic Debt Coach explanations. Premium adds unlimited debts, adaptive weekly planning, payday planning, saved scenarios, advanced analytics, custom ordering, statement and CSV imports, exports, widgets, and manual iCloud backup and restore.
Eligible monthly and annual plans may include a 3-day free trial. Any available trial, local price and billing period are shown before purchase. Payment is charged to your Apple ID. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period and can be managed in Apple ID settings.
DebtFree provides estimates and educational information based on the details you enter. It does not provide financial, legal, tax, credit-repair, lending or debt-settlement advice.
Support: https://sunnysaas.github.io/debt-free/support.html
Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Privacy Policy: https://sunnysaas.github.io/debt-free/
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
Your payoff plan is now easier to check without opening every screen. New privacy-first Siri shortcuts can show your tracked debt, next priority, payoff date, progress, and method comparisons. Payment logging always requires confirmation inside DebtFree. Widgets hide sensitive amounts by default. We also improved currency rounding, the private 30-day progress summary, native navigation, localization, and reliability while preserving your existing data.
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.
The developer indicated that this app supports the following accessibility features. Learn More
Information
- Seller
- Musku Akshay Reddy
- Size
- 12.9 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.
- iPhone
- Languages
English and 10 more
- English, Arabic, Dutch, French, German, Hebrew, Italian, Japanese, Korean, Portuguese, Spanish
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Monthly Premium $1.99
- Premium Lifetime $19.99
- Annual Premium $9.99
- Copyright
- © 2026 DebtFree. All rights reserved.