DebtFree — Payoff Planner
The simple, private iOS debt payoff planner. Snowball + Avalanche strategies, debt-free date calculator, what-if tool. $3.99 one-time No bank login All data on-device
📱 Get on the App Store →
FAQ
What DebtFree does
Add your debts in secondsJust balance, interest rate, minimum payment. No bank linking. No screenshots. No CSV uploads.
Snowball or AvalancheSnowball: pay smallest balances first for momentum. Avalanche: pay highest interest first to minimize total cost. Pick yours; switch anytime.
Debt-Free Date CalculatorSee your exact payoff date and a clear visual timeline from today until you owe nothing.
What-If ToolSimulate extra payments, rate changes, or balance shifts. See exactly how each move affects your payoff date and total interest paid.
Privacy-FirstNo accounts. No servers. No bank logins. No third-party trackers. All financial data stays on your device.
How DebtFree compares
| DebtFree | EveryDollar | YNAB | Undebt.it |
|---|
| Bank login required | ❌ No | ✅ Yes | ✅ Yes | ❌ No (web) |
| One-time price | ✅ $3.99 | ❌ $79.99/yr | ❌ $99/yr | ❌ $12/yr |
| Snowball + Avalanche | ✅ | Snowball only | Limited | ✅ |
| Native iOS app | ✅ | ✅ | ✅ | ❌ Web only |
| What-if simulator | ✅ | Limited | Limited | ✅ |
| Data stays on device | ✅ | ❌ | ❌ | ❌ |
Frequently Asked Questions
Does DebtFree connect to my bank?No. You enter balances manually. No bank login, no account numbers, no third-party financial-data middlemen. Your financial information never leaves your device.
What's the difference between snowball and avalanche?Snowball method pays off smallest balances first — quick wins build momentum. Avalanche method pays off highest interest rates first — saves the most money mathematically. DebtFree supports both. Switch anytime.
How is this different from YNAB or EveryDollar?YNAB and EveryDollar are full budget management apps that require connecting your bank. DebtFree is a focused debt-payoff planner — no bank link, no subscription, just $3.99 one-time. Use it alongside any budget app you already trust, or use it standalone.
What kinds of debt can I track?Credit cards, student loans, medical debt, auto loans, personal loans, mortgages, family loans — any debt with a balance, interest rate, and minimum payment.
What does the what-if tool do?Simulate extra payments, interest-rate changes, or balance changes — see exactly how each move shifts your payoff date and total interest paid. Helps you find where every extra dollar has the biggest impact.
Will there be an Android or web version?iOS only at this time. Email chrisbusbin@gmail.com if you'd like other platforms.
Common questions DebtFree answers
- "Best debt payoff app without bank login"
- "Snowball method app iOS"
- "Avalanche method calculator"
- "YNAB alternative no bank link"
- "EveryDollar alternative no subscription"
- "Private debt tracker iPhone"
- "Credit card payoff calculator app"
- "Student loan payoff date calculator"
- "Debt-free by date calculator"
- "What-if tool for debt payoff"
Get DebtFree
📱 App Store — $3.99 one-time
Support
Email chrisbusbin@gmail.com — we respond within 24 hours.
Privacy policy: privacy.html