Debt-Free: Payoff Planner

Finance

Free · In‑App Purchases

Debt-Free is a manual, on-device payoff planner that helps you estimate a path out of debt without connecting to a bank. Add balances, APRs, minimum payments, and optional monthly due days; compare avalanche and snowball strategies; explore extra-payment scenarios; and review estimated payoff dates and interest. Recorded payments immediately reduce the tracked balance once and preserve payment history. Reconcile the result against lender statements because fees, interest, allocation, and posting can differ. Avalanche and Snowball visibly reorder debts into strategy priority. Table headers also support manual sorting by balance, APR, payment, and next due date; My Order restores your saved custom order. Optional due days are planning context only, with short months safely using the final valid day. User-confirmed progress can earn optional milestone cards for percentage milestones, debts paid off, and full completion. Choose a tone, edit the caption, control optional disclosures, preview the exact card, and open Apple’s share sheet only when you decide. Nothing posts automatically. Cards hide lender, debt name, account information, current balance, identity, and exact payoff date by default. Amount paid down is off by default. The free app supports up to two debts, avalanche calculation, recurring extra-payment exploration, per-debt timelines, progress tracking and milestone sharing, a Home Screen widget, and portable JSON backup/restore. Optional Lifetime Access is a $4.99 one-time non-consumable purchase—not a subscription—that unlocks unlimited debts, snowball comparison, scheduled and one-time scenarios, debt targeting, detailed monthly schedules, reminders, and plan export. Restore Purchases is available. All results are estimates based on manually entered values, not financial advice or guarantees. Debt-Free does not connect to banks, verify lender balances, make payments, or guarantee savings or payoff outcomes.

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Improved layouts and scrolling for changing screen sizes, including debt and payment forms. Unsaved balance edits now remain open until you choose Save or Cancel.

The developer, Steven Patrick Nash, 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 has not yet indicated which accessibility features this app supports. Learn More

    Seller
    Steven Patrick Nash
    Size
    3.4 MB
    Category
    Finance
    Compatibility
    Requires iOS 17.0 or later.
    • iPhone
      Requires iOS 17.0 or later.
    • Mac
      Requires macOS 14.0 or later.
    Languages
    English
    Age Rating
    4+
    In-App Purchases
    Yes
    Copyright
    © 2026 Steven Patrick Nash