Debt Free – Pay Off Debt Fast
iOS Universel / Finance
※ 100% FREE WITH UNLIMITED DEBTS — No subscriptions required for core features
Track Unlimited Debts, Use All Payoff Strategies, and Sync Across Devices with iCloud — Completely Free. Only advanced insights and optimization tools are part of Premium.
※ Top-Selling Finance App
※ Featured by Apple in “What’s Hot”
※ Featured in WIRED — App Guide
※ Trusted by 300,000+ users
※ Optimized for iOS 18 & iOS 26
※ The original Debt Free app — trusted by users for over a decade.
※ “Debt Free makes it easy to confront debt and manage it wisely.” — 148apps
※ “Snowballs made easy with the Debt Free iPhone app.” — Credit.com
※ Pay Off Debt Faster
Pay off debt faster with Debt Free a powerful debt payoff planner, debt snowball calculator, loan calculator, and budget tracker for iPhone and iPad.
Eliminate credit card debt, student loans, car loans, and mortgages using proven strategies like Debt Snowball and Debt Avalanche. Build a repayment plan, reduce interest, and see your exact debt-free date.
※ What Our Customers Say
※ ※ ※ ※ ※ “By far the most well-developed debt payoff planner I’ve used.”
※ ※ ※ ※ ※ “Easy to use and practical.”
※ ※ ※ ※ ※ “Sync across devices works perfectly.”
※ ※ ※ ※ ※ “Perfect blend of features.”
※ ※ ※ ※ ※ “Helped me pay off $13,500 in 5 months.”
※ How It Works
• Add your debts (credit cards, loans, mortgages)
• Choose a payoff strategy (Snowball, Avalanche, or custom)
• Follow your repayment schedule
• Track progress and become debt-free faster
※ Smart Payoff Strategies
• Debt Snowball, Avalanche, Highest Balance, or Custom Order
• Compare strategies and see which gets you debt-free faster
• Extra payment calculator shows interest and time saved
※ Payoff Planner & Repayment Schedule
• Step-by-step debt payoff plan for your strategy
• See the order your debts will be paid off
• Track snowball rollover as payments accelerate
• Adjust payments and update your payoff timeline
• Visual repayment schedule with projected debt-free date
※ Dashboard & Progress Tracking
• Real-time dashboard with progress ring and debt-free date
• Track total debt, payments, and interest saved
• Payoff timeline and milestone tracking
• Monthly reports and summaries
※ Payment Tracking & Reminders
• Record payments and update balances instantly
• Smart reminders and due date tracking
• Avoid missed payments and late fees
• Apple Wallet transaction import
※ Financial Calculators
• Debt payoff calculator
• Loan and mortgage calculators
• Balance transfer calculator (Premium)
• Debt consolidation calculator (Premium)
• Net worth tracker (Premium)
※ Reports & Insights
• Debt breakdown by category
• Payoff timeline and repayment schedule
• Advanced charts and interest breakdowns
• PDF reports and summaries
※ Sync & Apple Features
• iPhone and iPad — one purchase, all devices
• iCloud sync across devices
• Siri Shortcuts and Home Screen widgets
• Works offline — no account required
※ Unlock Premium
• AI Debt Coach — personalized insights
• Bill Tracking — never miss a due date
• Debt Groups — organize debts
• What-If Simulator — test payoff scenarios
• Debt Freedom Optimizer — accelerate payoff
• Advanced Charts & Reports
• Balance Transfer & Consolidation tools
• Net Worth Tracker & more
※ Why Debt Free?
• 100% private — data stays on your device and iCloud
• No external ads, no tracking, no data selling
• Built for people serious about becoming debt free
• Works offline — perfect for budgeting anywhere
• Trusted since 2014 — all core functionality absoultly free
Includes debt payoff calculator, loan calculator, mortgage calculator, and repayment tools to plan faster.
※ Join thousands who have paid off their debt with Debt Free
※ Start your debt-free journey today
Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Privacy Policy: https://www.mobileinnov.com/PrivacyPolicy.html
Quoi de neuf dans la dernière version ?
Smarter Calculations After Payoffs
Paying off a debt now correctly updates your progress everywhere — your original debt total stays accurate, and freed-up payments automatically roll into your snowball cascade to pay off remaining debts faster.
Improved iCloud Sync
The "Sync Now" button now triggers a real CloudKit sync instead of just showing a spinner. You'll see honest status updates and confirmation when your data actually syncs across devices.
Debt Freedom Optimizer Redesign
The optimizer now features larger, easier-to-read controls, full descriptions instead of truncated text, and a clear before/after comparison when you simulate extra payments. The results section guides you when you haven't started a simulation yet.
More Currencies
Added support for 11 new currencies: Philippine Peso, Brazilian Real, South Korean Won, Singapore Dollar, Thai Baht, South African Rand, New Zealand Dollar, Swedish Krona, Norwegian Krone, Turkish Lira, and Indonesian Rupiah.
Additional Improvements
• Heatmap tiles now clearly show "mo. saved" instead of ambiguous "months"
• Improved fonts and contrast throughout the optimizer and heatmap
• Bug fixes and performance improvements
