Chart standing · US
What changed · US
Listing changes AppTracker has observed for this app in this storefront — new versions, price moves, rating shifts, and store copy.
What's New in Debt Free Build a safety net, and see your goals in your own currency. NEW: Emergency Fund (Premium) - Set up a dedicated safety buffer so a surprise expense, like a car repair or a vet bill, does not undo your debt payoff progress or force new borrowing. - We suggest a target automatically from the bills you already track. Choose a Starter (1 month), Recommended (3 months), or Resilient (6 months) buffer. - No bills tracked yet? Set your own target and everything else works the same. - Your Emergency Fund is marked with a shield so it stands apart from your other goals. NEW: Withdraw from Saving Goals - Life happens, so now you can withdraw from any saving goal, not just add to it. - Balances, progress, and remaining amounts stay accurate when you dip into your savings. - Every deposit and withdrawal is clearly labelled in your goal history. Improvements - Saving Goals now display in your chosen currency. Set it once in Settings, then Currency, and every screen follows, from goal targets to contributions. 23 currencies supported. - Reorder your saving goals. Tap Edit and drag them into any order you like. - Gentle, dismissible prompts on your Dashboard and Bills screen suggest an Emergency Fund only when it makes sense, never nagging. Fixes - Fixed a false sync mismatch warning that could briefly appear after adding data, even when everything had synced correctly. Thank you for the thoughtful suggestions. Many of these came straight from your emails. Keep them coming! Love Debt Free? Please leave us a review. Your rating is the single biggest way to help others on their debt free journey find this app. It only takes a moment in the App Store. Thank you for being part of the journey!
Price & rating history · US
Reconstructed from the listing changes AppTracker has observed in this storefront, so each line starts at the first change on record.
Average rating
Ratings breakdown · US
The star breakdown behind this app's rating in this storefront.
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About
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
What's new · 7.9
What's New in Debt Free Build a safety net, and see your goals in your own currency. NEW: Emergency Fund (Premium) - Set up a dedicated safety buffer so a surprise expense, like a car repair or a vet bill, does not undo your debt payoff progress or force new borrowing. - We suggest a target automatically from the bills you already track. Choose a Starter (1 month), Recommended (3 months), or Resilient (6 months) buffer. - No bills tracked yet? Set your own target and everything else works the same. - Your Emergency Fund is marked with a shield so it stands apart from your other goals. NEW: Withdraw from Saving Goals - Life happens, so now you can withdraw from any saving goal, not just add to it. - Balances, progress, and remaining amounts stay accurate when you dip into your savings. - Every deposit and withdrawal is clearly labelled in your goal history. Improvements - Saving Goals now display in your chosen currency. Set it once in Settings, then Currency, and every screen follows, from goal targets to contributions. 23 currencies supported. - Reorder your saving goals. Tap Edit and drag them into any order you like. - Gentle, dismissible prompts on your Dashboard and Bills screen suggest an Emergency Fund only when it makes sense, never nagging. Fixes - Fixed a false sync mismatch warning that could briefly appear after adding data, even when everything had synced correctly. Thank you for the thoughtful suggestions. Many of these came straight from your emails. Keep them coming! Love Debt Free? Please leave us a review. Your rating is the single biggest way to help others on their debt free journey find this app. It only takes a moment in the App Store. Thank you for being part of the journey!
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