My Debt Freedom
Plan your path to zero
Free · In‑App Purchases · Designed for iPad. Not verified for macOS.
List debts for free. Unlock snowball or avalanche, log payments, and celebrate the climb. Everything stays on this iPhone. No account. No bank login.
What’s your Freedom date?
My Debt Freedom is a privacy-first payoff planner for iPhone. List every card, loan, and leftover balance for free. Unlock Freedom when you want a date, a plan, and a way to stay on it.
Your numbers stay on this iPhone. No account. No bank login. No ads.
FREE
• Add debts with name, type, balance, APR, minimum, and due day
• 0% APR is allowed
• Optional Face ID, Touch ID, or passcode lock
• Delete a debt or wipe everything in Settings
FREEDOM
• Snowball (smallest first) or avalanche (highest APR first)
• Side-by-side months and interest
• Extra payments and paid-off minimums that roll to the next target
• Log what you actually paid
• Progress toward zero and awards
• Reminders 3 days before a due day and again on the day
• Found Money: put a refund or leftover cash on the right debt
• On-device coach on iOS 26 with Apple Intelligence (Found Money still works without it)
Freedom is an auto-renewable subscription (monthly or yearly). Payment is charged to your Apple ID. Cancel at least 24 hours before the period ends in iPhone Settings → your name → Subscriptions. Prices are shown in the app.
Planning math only — not financial, tax, or credit advice. Confirm balances and rates with your lenders.
Privacy Policy: https://mydebtfreedom.app/privacy/
Terms of Use: https://mydebtfreedom.app/terms/
Ratings & Reviews
Bug fixes.
Logged payments on a debt with an interest rate now add one month of interest at that rate before the balance updates, so the amount you owe stays closer to your lender.
A second payment in the same month goes to principal. Debts at 0% are unchanged.
Payments already logged stay as they are. Interest is included the next time you log one.
The developer, MATTHEW ALLEN CHAPMAN, 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
- MATTHEW ALLEN CHAPMAN
- Size
- 5.8 MB
- Category
- Finance
- Compatibility
Requires iOS 18.0 or later.
- iPhone
Requires iOS 18.0 or later. - iPad
Requires iPadOS 18.0 or later. - Mac
Requires macOS 15.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 2.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Freedom Monthly $4.99
- Freedom Yearly $39.99
- Copyright
- © 2026 Matthew Chapman