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Debt Free –Pay Off Debt Faster at Mac App Store analyse
Mobile Innovations LLC
Version
7.7.1
Size
17.62 Mb
Updated
2 weeks ago
Released
15 Dec 2010
Screenshots
Description
Pay off debt without selling your data. No ads, no tracking, no accounts required — your financial information stays on your device.
Debt Free is the iOS-native debt payoff planner trusted by 300,000+ users since 2014. Apply the Debt Snowball, Avalanche, Snowflake, or Custom strategies and see your exact debt-free date.
※ Featured by Apple in "What's Hot"
※ Featured in WIRED — App Guide
※ 100% FREE for unlimited debts — no subscription required for core features
※ Optimized for iOS 18 & iOS 26
※What Our Customers Say
※※※※※ "By far the most well-developed debt payoff planner I've used."
※※※※※ "Helped me pay off $13,500 in 5 months."
※※※※※ "Easy to use and practical."
※※※※※ "Sync across devices works perfectly."
※Pay Off Debt Faster
Eliminate credit card debt, student loans, auto loans, and mortgages using proven strategies. Track Chase, Capital One, Discover, Citi, and American Express credit cards. Pay down Navient, Sallie Mae, Great Lakes, and Nelnet student loans. Manage Rocket Mortgage, SoFi, Better Mortgage, and any auto or personal loan.
※Smart Payoff Strategies
- Debt Snowball — popularized by Dave Ramsey (lowest balance first)
- Debt Avalanche — math-optimal (highest APR first)
- Debt Snowflake — apply windfalls (bonuses, tax refunds, gifts) directly toward debt
- Highest Balance or Custom Order
- Compare strategies side-by-side to find the fastest path
※How It Works
1. Add your debts — credit cards, loans, mortgages
2. Choose a payoff strategy
3. Follow your repayment schedule
4. Track progress and become debt-free faster
※Privacy First — No Ads, Ever
- Zero data collection — your information never leaves your device or iCloud
- No third-party advertising — ever
- No accounts or sign-ups required
- Works fully offline
- Most debt apps sell or share your financial data. Debt Free doesn't.
※Built for the Apple Ecosystem
- iPhone, iPad, Mac, Apple Watch, Apple Vision Pro
- iCloud sync — one purchase across all your devices
- Apple Watch app — debt summary and next payment on your wrist
- Apple Wallet — import card transactions automatically
- Lock Screen widgets & Live Activities
- Siri Shortcuts — "Hey Siri, when's my next debt payment?"
- Spotlight search — find any debt from the home screen
- Apple Intelligence — on-device AI Debt Coach (iOS 26)
※Dashboard & Progress Tracking
- Real-time progress ring and debt-free countdown
- Daily interest cost ticker across all debts
- Visual repayment schedule with projected debt-free date
- Milestone celebrations and motivational reminders
- Monthly summary report cards
※Payment Tracking
- Record payments and update balances instantly
- Smart reminders before due dates — never miss a payment
- Auto-Pay tracking (Premium) — automatically record recurring payments
- Apple Wallet transaction import
- Payment history with full audit trail
※Financial Calculators
- Debt payoff calculator
- Loan calculator
- Mortgage calculator
※ Premium
- Balance Transfer Analyzer
- Debt Consolidation Analyzer
- Credit Score Impact Estimator
- Net Worth Tracker
※Premium Features
- AI Debt Coach — on-device Apple Intelligence coaching
- What-If Simulator — preview the impact of extra payments
- Debt Freedom Optimizer — model side income and lump-sum scenarios
- Bill Tracking — never miss a due date
- Saving Goals — track and project savings alongside debt payoff
- Weekly Plan — actionable tasks each week
- Advanced Charts, PDF reports, and CSV export
- Live Activities & Dynamic Island
- Apple Watch companion app
※Why Choose Debt Free
- Trusted since 2014 — over a decade of refinement
- 300,000+ users on their journey to $0
- Zero data collection, zero ads — guaranteed
- Works offline, no account required
- All core features free — Premium is optional
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
Estimates
Search Keywords 8
| # | Term | Country | Place | Priority |
|---|---|---|---|---|
| 1 | snow ball | Russia | #1 | ⭐️⭐️⭐️⭐️ |
| 2 | the snow ball | Russia | #1 | |
| 3 | debt snowball | #1 | ⭐️⭐️ | |
| 4 | snowball | #2 | ⭐️⭐️⭐️⭐️ | |
| 5 | Debt Free - Pay Off your Debt | USA | #2 | ⭐️⭐️⭐️⭐️ |
| 6 | dave ramsey | #3 | ⭐️⭐️⭐️⭐️ | |
| 7 | lifestyle innovations | #4 | ||
| 8 | mobilepay | Sweden | #13 | ⭐️⭐️⭐️⭐️⭐️ |
Competitors
Availability
Devices
iPhone4
iPad2Wifi
iPad23G
iPhone4S
iPadThirdGen
iPadThirdGen4G
iPhone5
iPodTouchFifthGen
iPadFourthGen
iPadFourthGen4G
iPadMini
iPadMini4G
iPhone5c
iPhone5s
iPadAir
iPadAirCellular
iPadMiniRetina
iPadMiniRetinaCellular
iPhone6
iPhone6Plus
iPadAir2
iPadAir2Cellular
iPadMini3
iPadMini3Cellular
iPodTouchSixthGen
iPhone6s
iPhone6sPlus
iPadMini4
iPadMini4Cellular
iPadPro
iPadProCellular
iPadPro97
iPadPro97Cellular
iPhoneSE
iPhone7
iPhone7Plus
iPad611
iPad612
iPad71
iPad72
iPad73
iPad74
iPhone8
iPhone8Plus
iPhoneX
iPad75
iPad76
iPhoneXS
iPhoneXSMax
iPhoneXR
iPad812
iPad834
iPad856
iPad878
Watch4
iPadMini5
iPadMini5Cellular
iPadAir3
iPadAir3Cellular
iPodTouchSeventhGen
iPhone11
iPhone11Pro
Watch5
iPadSeventhGen
iPadSeventhGenCellular
iPhone11ProMax
iPhoneSESecondGen
iPadProSecondGen
iPadProSecondGenCellular
iPadProFourthGen
iPadProFourthGenCellular
iPhone12Mini
iPhone12
iPhone12Pro
iPhone12ProMax
iPadAir4
iPadAir4Cellular
iPadEighthGen
iPadEighthGenCellular
WatchSE
WatchSECellular
Watch6
Watch6Cellular
iPadProThirdGen
iPadProThirdGenCellular
iPadProFifthGen
iPadProFifthGenCellular
iPhone13Pro
iPhone13ProMax
iPhone13Mini
iPhone13
iPadMiniSixthGen
iPadMiniSixthGenCellular
iPadNinthGen
iPadNinthGenCellular
Watch7
Watch7Cellular
iPhoneSEThirdGen
iPadAirFifthGen
iPadAirFifthGenCellular
iPhone14
iPhone14Plus
iPhone14Pro
iPhone14ProMax
Watch8
Watch8Cellular
WatchUltra
WatchSESecondGen
WatchSESecondGenCellular
iPadTenthGen
iPadTenthGenCellular
iPadPro11FourthGen
iPadPro11FourthGenCellular
iPadProSixthGen
iPadProSixthGenCellular
Pricing by country
| Country | Price |
|---|---|
| Canada | free |
| China | free |
| France | free |
| Germany | free |
| Italy | free |
| Netherlands | free |
| Portugal | free |
| Spain | free |
| Poland | 1.09 EUR |
| UK | free |
| India | free |
| Japan | free |
| Korea, Republic Of | free |
| Poland | free |
| Russia | 99 RUB |
| Turkey | free |
| USA | free |
| Korea, Republic Of | 1.09 USD |
| Ukraine | free |
Version History
Latest: 7.7.1
Share your entire debt-free plan with your household.
NEW: Household Mode (Premium)
• Flip a switch and share every debt, saving goal, and recurring bill with your partner or family — up to 10 members per household
• One shared dashboard: same balances, same payoff date, same progress on every device
• Either side can record a payment, edit a debt, or mark a bill paid — the other device updates automatically
• Payoff strategy (Snowball / Avalanche / Custom) and your extra monthly payment stay in sync too
• Each shared edit shows "Edited by [partner's name]" so you always know who touched what
• Owner-only deletions protect against accidents — members can edit but not destroy
• Leave any time with your data: "Take a Copy" keeps everything on your device as personal data again
• Set a custom display name so attribution reads "Edited by Sam" instead of an Apple ID
• Detailed in-app help — tap the ? button at the top of Household Mode for the full reference
• Syncs over iCloud (no servers, no accounts to create) — typically 30 seconds, occasionally a few minutes when iCloud is slow
Improvements
• Debt-Free Date now displays as "Sep 15, 2028" everywhere — abbreviated month fits comfortably on every device width
• "Active Debts" and "Accounts" counts on the Debts list now match what's visible in the unified list
• Cleaner sync error messages — when something goes wrong joining a household (iCloud paused, network down, invite expired) you get a plain-language explanation with the next step
Fixes
• Resolved a sync edge case where a recorded payment could over-deduct the balance by the interest portion on the partner's device
• Improved cold-launch behavior so the initial household sync banner appears while data is being pulled
• Enhancements and minor bug fixes to Household mode
Price changed to $0.99
v5.8
2 weeks ago
Reviews
All reviews →Good Start
Great App, Love the simplicity of it and how it works. My only complaint would be the frequency in payments as some of mine are bi-weekly. Hopefully there will be an update in the future that fixes this because it is a very decent app.
Phenomenal application!
If you owe debt, buy this app! It is very helpful! Ill be able to pay off my debt a lot faster thanks to this great app.
Good app- needs a little tweaking
Great app for paying of debts and keeping tabs on payments. Some of my payments are biweekly so it would be great if we could get this built in to program.
Awesome!!!
This really is a great deal!! It keep me motivated,and am not using my credit cards as I used to. Must have app!!
Almost the Best
I wish this had weekly payments!
Its ok
Usefull app but Had it for a few months and suggested a choice of frequency method like paying every week or 2weeks, only option is monthly pmts. Still no update on that matter. Would be good to have this option to be more precise for people who pays loan more than once a month.
Very helpful
Great visibility into debt and monitoring reduction. Simple to use but provides great info at your finger tips. Easy to communicate with the developer. Love this app!
