Debt Free uses the proven Snowball Method to build a clear, step-by-step payoff plan — so you can crush your debt, save thousands in interest, and reach financial freedom sooner.
From tracking your first dollar to celebrating your last payment — Debt Free has the tools to keep you focused, motivated, and moving forward.
Watch your debt shrink in real time. Progress bars, pie charts, and a live debt-free countdown keep your goal front and center every single day.
Never miss a payment again. Set due-date notifications for each debt, with color-coded urgency indicators — red for overdue, orange for coming soon.
See every future payment mapped out — interest, principal, and remaining balance — so you understand exactly where your money is going.
Start on your iPhone, check in on your iPad. Your entire debt plan stays in sync across all your Apple devices, automatically and securely.
Choose the strategy that fits your psychology and financial situation. Debt Free models each one so you can see exactly how much time and interest you'll save before committing.
The Debt Snowball is simple, powerful, and psychologically proven. Here's how it works inside Debt Free.
Add each debt — credit cards, car loans, student loans, medical bills — with balance, interest rate, and minimum payment.
Keep all debts current. Debt Free tracks each due date and shows your total monthly commitment at a glance.
Throw any extra money at your smallest balance. When it's gone, that freed-up payment rolls into the next debt.
Each debt you eliminate accelerates the next. By the time you reach your largest debt, you're throwing everything at it.
Don't take our word for it. Here's what customers who've used Debt Free to take control of their finances have to say.
"This app changed the way I viewed money. It helped me stay focused and pay off $13,500 in 5 months. By far the most well developed debt payoff program I've come across."
"I've been using this app for several years now and it's amazing. The developers were very quick to respond when I had feedback — not many app developers respond like that!"
"Super simple to use. Just enter your debt and it tells you how much you have and how soon you can pay it off. It really opened my eyes to my debt situation and gave me a clear plan."
The core app is completely free. Unlock Premium features for the price of a coffee — and save thousands in interest.
On-device, personalized payoff advice powered by Apple Intelligence. Requires iOS 26.
See how an extra $100/month or a $2,000 bonus changes your debt-free date — instantly.
A visual calendar showing month-by-month impact on your payoff timeline.
Track all your recurring bills alongside debts so you see exactly how much goes toward payoff.
Generate shareable debt reports and export your data to Excel anytime.
Track your debt-free countdown and progress ring right from your iPhone home screen.
Join thousands of people who used Debt Free to take control, make a plan, and actually stick to it. Free to download, free to start.