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Debt-Free

A PRIVATE PAYOFF PLAN

Make your next debt payment clear.

Enter your balances, rates and monthly payments. See Avalanche priority and explore an extra amount you choose.

Get Debt-Free on the App Store

Free: two debts + Avalanche.Optional Lifetime: US $4.99 once. No subscription.

No bank connection. No app account. No ads or tracking.

For iPhone (iOS 17+) and Mac (macOS 14+).

Actual Debt-Free plan with fictional Rewards card and personal loan; an illustrative estimated payoff timeline.
Plan overview detail from an actual capture with fictional debts. Dates and savings are estimates.

ONE CONCRETE NEXT STEP

Where should the extra go?

In this fictional two-debt plan, Avalanche prioritizes the higher APR.

THE FICTIONAL TWO-DEBT PLAN

Rewards card
27.49% APR
$195 monthly minimum
Small personal loan
8.5% APR
$50 monthly minimum

Cover both minimums. With Avalanche, your chosen extra goes to the Rewards card first.

These are the existing screenshot values, not a payment recommendation for you. Check current amounts with your lender.

Actual manual debt-entry screen using fictional values: balance 6,500, APR 27.49 percent and monthly payment 195.
Manual inputs. Current statements.

From numbers to a plan you can follow.

  1. Enter current values

    Use your latest balance, APR and monthly payment. You enter every value manually.

  2. Explore an extra amount

    See how a recurring extra payment changes estimated dates and interest. Choose an amount that fits your circumstances.

  3. Record real payments

    Keep payment history as the tracked balance changes. Reconcile it against your lender statement.

USEFUL BEFORE YOU PAY

Start free. Unlock more only if you need it.

Free

$0

A complete starting point for two debts.

  • Up to two debts
  • Full Avalanche calculation
  • Recurring extra-payment exploration
  • Per-debt payoff timelines
  • Payment history and milestone sharing
  • JSON backup / restore + Home Screen widget
Start with two debts

Optional Lifetime Access

US $4.99

One-time purchase. No subscription or renewal.

  • Unlimited debts
  • Snowball comparison
  • Scheduled and one-time scenarios
  • Direct debt targeting
  • Detailed monthly schedules
  • Reminders and plan export

Purchase and Restore Purchases are handled by Apple. Other storefront prices may vary.

Your plan stays on your device.

The developer does not collect the financial records you enter. The app has no bank connection, app account, ads or tracking. You choose whether to export a backup or share a milestone.

Optional support submissions are handled separately.

Read the privacy policyGet support

Are payoff dates guaranteed?

No. Calculations are estimates based on your entries. Keep balances, rates and payments current and verify them against lender statements.

Does the app make payments?

No. Debt-Free helps you model and track a manual plan. It does not confirm lender activity or decide what you can afford.

Start with two debts. See your next step.

View Debt-Free for Mac
Get Debt-Free on the App Store