DebtFree
Pay off debt faster — without linking your bank.
Pay off credit cards, loans & medical debt faster with the Snowball and Avalanche methods and a live debt-free date. No bank logins. No subscription.
DebtFree
finance
Pay off debt faster — without linking your bank
What you get
DebtFree was built for exactly this.
The core features that make DebtFree different from the generic alternatives.
Watch your debt-free date move closer every time you pay — a live payoff projection that turns "someday" into a real date on the calendar.
Pay off debt faster with five strategies
Snowball (smallest balance first), Avalanche (highest APR first), Custom order you control, plus the DebtFree-original Tsunami and Blizzard.
See exactly what one extra payment buys you with the What-If simulator — how many months sooner you go debt-free and how much interest you save.
Track everything you owe in one place
credit cards, student loans, medical bills, auto, mortgage, and personal loans — 12 debt types across 15 currencies.
Read your whole plan at a glance with a month-by-month payoff calendar that maps every balance all the way to zero.
Stay motivated with the DebtFree Score, a private 0–1000 momentum gauge (not a credit score), plus milestones for your first payment, the halfway mark, and every debt destroyed.
Pay down household debt together with Couples mode — merge two debt stacks into one shared freedom date so partners get there as a team.
Private by design
no bank linking, no account, no sign-up. Balances stay encrypted on your device with an optional Face ID / biometric lock and a passphrase-protected backup you control.
A look inside
See it in your hands.
A note from the studio
“I built DebtFree after watching people I love white-knuckle their way through credit-card and medical debt — and then get told to hand a budgeting app their bank login on top of it. Debt is stressful enough without a monthly subscription or a company quietly watching every transaction. So I made the tracker I wished they had: you pay once, you never link an account, and the only thing it follows is your progress toward a debt-free date you can finally see.”
How it works
Three steps. No account. No tracking.
01
Add your debts
Enter each balance, interest rate, and minimum payment. Takes about two minutes — no bank login required.
02
Pick your strategy
Snowball, Avalanche, Custom, Tsunami, or Blizzard. See your payoff plan recompute instantly.
03
Watch your freedom date move
Every payment recalculates the date. The what-if simulator shows what one extra payment really buys you.
Not shipped yet
Notify me when DebtFree ships.
It'll launch at Pay once — lifetime. Free tier: track up to 2 debts with the snowball method and a basic payoff projection.
One email when it lands on the App Store. No drip sequence.
No spam. No tracking. Email only — unsubscribe with one click.
From the journal
Notes on the debt-free journey.
- 01
Why Minimum Payments Keep You in Debt — and the Number Quietly Working Against You
Why minimum payments keep you in debt: the anchoring effect on your statement quietly pulls your payment down. Here's the psychology, and how to take that number back.
2026-06-11
7 min read
- 02
Staying Motivated Through the Long Middle of Debt Payoff
Staying motivated paying off debt is hardest in the middle, after the first win and before the finish. Here's the psychology of the messy middle and how to ride it.
2026-06-11
7 min read
- 03
How to Pay Off Credit Card Debt When the Interest Keeps Outrunning You
Learning how to pay off credit card debt means beating the minimum-payment trap. Here's why high-APR balances feel un-killable, and the order that breaks them.
2026-06-08
7 min read
- 04
How to Get Out of Debt: A Calm Beginner's Guide
A beginner's guide on how to get out of debt — what APR and minimums really mean, how payoff order works, and the first steps that turn dread into a plan.
2026-06-03
7 min read
- 05
Why Most Debt Payoff Plans Quietly Fail by March
Most debt payoff plans fail not from a lack of effort but from how they're built. Here are the structural flaws that doom a plan — and how to build one that holds.
2026-05-29
7 min read
From the same collection
The Debt-Free Journey.
The dispatch
A dispatch from the studio.
One short letter every few weeks. What we launched, what we cut, what we learned. No tracking pixels. Unsubscribe in one click.
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