Your debt list
Name, type, balance, APR, minimum, and due day. Edit anytime. Zero percent APR is allowed.
List what you owe for free. Unlock snowball or avalanche, log payments, and celebrate the climb. Everything stays on your iPhone. No account. No bank login. No ads.
Add every card, loan, and leftover balance. The list is yours even if you never subscribe.
Name, type, balance, APR, minimum, and due day. Edit anytime. Zero percent APR is allowed.
No account to create. No bank sync. Debts, payments, and awards never leave the device.
Face ID, Touch ID, or your device passcode can hide the app when you leave it.
One subscription, $4.99 a month or $39.99 a year. Cancel anytime in Apple subscriptions.
See months to zero, interest, and which debt to attack first. Paid-off minimums roll into the next target.
Record what you actually paid. The plan updates from real balances, not a spreadsheet guess.
Watch the remaining balance fall. Unlock milestones on the way — with an optional celebration chime.
Local alerts three days before a due day and again on the day. Optional quiet encouragement. Never a bank ping.
Got a refund or leftover cash? The planner shows which debt it should hit and how many months that saves.
On iOS 26 with Apple Intelligence, ask about extra money in plain language. The math still comes from the same engine. Chat is optional; Found Money works without it.
Start with a name and balance. Add APR and a minimum when you want a date.
Snowball (smallest first) or avalanche (highest APR first). Compare them side by side.
Record payments, roll extra to the next debt, and mark the flag at the top.
Auto-renewable. Same features as yearly. Cancel in Settings on your iPhone.
Two months free versus paying monthly. Apple handles the purchase. We never see your card.
Planning math only — not financial, tax, or credit advice. Confirm balances and rates with your lenders.
There is no My Debt Freedom account and no server of ours that stores your debts. Subscriptions go through Apple. Optional lock uses Face ID on the phone. You can delete every debt, payment, and award in Settings.