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Debt Free - Pay Off your Debt app for iPhone and iPad

4.6 ( 1136 ratings )
Lifestyle Finance
Developer: Mobile Innovations LLC
0.99 USD
Current version: 5.8, last update: 10 months ago
First release : 14 Dec 2010
App size: 17.18 Mb

※ Top selling app in finance category

※Optimized UI for iOS11.
※Sync data across all your devices.


※ "Debt Free makes it easy to confront Debt and manage it wisely" -
※ "Snowballs Made Easy with the Debt Free iPhone App" -

※ Debt Free App’s RESOLUTION is to help you PAY OFF YOUR DEBT.
※ Debt Free App helps SAVE YOUR TIME and MONEY.

※ What our Customers Say ※
※※※※※ "Very Innovative App.By far the most well developed Debt Payoff program i have come across."

※※※※※ "Easy to use and practical."

※※※※※ "I have been using this App since an Year and i Love It! It allows you to sync between devices!"

※※※※※ "Has been using this App from past 18 months. Nice User Interface and Perfect blend of features when compared to other similar Apps. Will recommend to my fellow FPU members ."

※※※※※ "Have nothing but praise this App. It helped me stay focused and pay off $13,500 in 5 months. This app changed the way i viewed the money."

Are you serious in Paying off your Debt? Then DEBT FREE App is for you.

This App helps you organize,monitor and payoff your debt using debt Snowball method. You can analyze and model debt repayments to see when exactly you can become debt free. You can also Sync data between devices.


※ Bonus: This app also includes 3 Built in calculators to help you decide on monthly payments
- Payoff date calculator
- Loan calculator
- Mortgage calculator

Main Features:

※Universal Binary
- Designed for iPhone, iPod Touch, and iPad devices. No need to buy separate Apps for each device.

※Quick Debt Summary
- Displays Quick Summary of your Total Debts with Percentage Progress Bar,Debt Free Date,Interest Savings and Early Payoff Date.

※Percent Paid Progress Bars
- Percent Paid Progress Bars for each Debt which motivates you towards Paying Off your Debts.

※Reports and Charts
- 2D Pie Chart View of your Debts with Debts by Category and Debts Remaining.

- Enter your Expense Transactions for Each Debt so your Remaining balance will be Automatically Updated.

※Payment Due Date Notification
- You can Set Payment Due Dates Notifications and also Payment Due Date Time for Each Debt.

※Pay Off Strategies
- Supports Multiple Payoff Strategies .
- Lowest Balance
- Highest Interest Rate
- Highest Balance
- Custom Order
By choosing a strategy you can see how the Total Debt,Interest Amount and Debt Payoff date get affected.

※Tracks Multiple Debts
- You can Track unlimited Number of Debts.

※Debt Payment Tracking
- Record your Payment every time you Pay towards your Debt which automatically updates your Debts Information.

※ Promotional APRs
- Supports promotional APRs for credit cards.

※ Mortgage overhead costs
- Track mortgage payments accurately by including all over head costs.

※Amortization Table
- Amortization table shows a Complete Payment Schedule which allows you to view the interest, principal, and remaining balance for each and every payment of the Debt.

※Pay Off date Calculator
- Use the built-in Payoff Date Calculator to see the how the monthly payment amount will affect the payoff date and total interest paid.

※Extra Payment Feature
- Calculates Interest and Time Savings with Extra Payment.

※Pass Code Lock
- Pass Code Protection to keep your Financial Information Private.

※Export Capability
- Email your Debt Report and Amortization Schedule in HTML Format.

Pros and cons of Debt Free - Pay Off your Debt app for iPhone and iPad

Debt Free - Pay Off your Debt app good for

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.
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.
This really is a great deal!! It keep me motivated,and am not using my credit cards as I used to. Must have app!!
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!
Emailed a suggestion for the next update, and got a response that day. Very useful, and easy to use app. Thanks
absolutely love this Debt Free App it has made me understand my debt a lot better and I am on my way to being Debt Free. 99 cents for an App that has helped me understand how to save $1200.00 in interest and pay my debt off 1 1/2 years early amazing!! Apple please feature this app in a commercial people need to see this! LOVE IT 

Some bad moments

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.
Ive been using it for an hour one at it has crashed about 10 times.
Great app, but it does not save the adjustments in settings all the time. I find that I need to make one change, save it, then go back into settings and change another function. Also, the calculator function where you can play around with additional payments stops being accurate when you input more than $200. Can you also add the additional payment field to each individual debt so that it can be customized to that specific debt as opposed to grouping the additional payment to the entire debt total. I would give this app 5 stars if it was accurate at all times.
I bought this app and loved it till it asked me to update it now it wont complete the update and it been months! Cant even use it biggest waste of money ever!
I like the idea of having an organised spot to keep track of debt repayment, but I find this app poorly designed and lacking in power.
REALLY needs the option of weekly or bi-weekly payments! Hardly anyone lives month to month anymore! Good for giving you an idea of the big picture but frustrating at times, ie. report a pymt and it still expects the entire monthly payment rather than subtracting reported pymt from total... Good for $0.99!!

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