Debt-Free Date App - Debt Payoff Tracker for iPhone & Android (No Bank Login, No Subscription)

Trusted by 76,000+ customers worldwide

See The Exact Month You Are Debt-Free. Then Watch It Move Closer.

The debt payoff app that lives on your phone, not in the cloud.

Not a vague "someday". A real month and year, worked out from your actual debts, on screen within 60 seconds of opening the app. Log a payment and watch the date pull closer. Pay a bit extra and watch the days come back.

Most debt apps want your bank password, charge you every month and show you a graph that never seems to end. This one asks for none of that. Add your debts, pick your order, and every payday takes five seconds.

No bank login. No account. No subscription. Your numbers never leave your phone.

📱 What It Actually Does

This is not just a countdown. It is a full payoff engine in your pocket.

• Your exact debt-free date, always current. Change a balance, a rate or a payment and the month and year recalculate in under five seconds.
• Snowball, Avalanche or My Order. Smallest balance first for quick wins, highest rate first to pay the least interest, or drag your debts into any order you like. See side by side, to the exact dollar and month, what each order saves you.
• Built for your real pay cycle. Weekly, fortnightly, twice-monthly or monthly. Minimums land on their due dates, extra cash goes out on payday.
• Overpayment cascade. Pay more than a debt has left and the surplus rolls onto the next one in line. Not a cent gets lost.
• True snowball compounding. When a debt clears, its minimum automatically rolls into your focus debt, so your momentum builds on its own.
• Promo APR and 0% balance transfer tracking. Enter the promo rate and expiry. When it ends, the app re-ranks your Avalanche order for you.
• "Heads Up" alerts. If a debt is actually growing because the payment is too low, the app shows you the exact monthly growth and the precise payment that stops it.

⚡ Five Seconds Every Payday

• "Log my usual". One tap from the home screen logs your regular payment. No waiting on a bank feed that is three days behind.
• See the split. Every payment shows how much went to interest and how much actually came off what you owe.
• Days Bought Back. Every payment is translated into time reclaimed. "Your last payment bought back 31 days" hits differently than a percentage bar.
• Progress ring, milestones and streaks. Each debt gets its own colour. Each payment fills the ring. Cleared debts get celebrated, and your logging streak keeps you coming back.
• Clean balance updates and a 12-second undo. Correct a balance without wrecking your history. Reverse an accidental log with one tap.

🔮 Try It Before You Spend It

• What If simulator. Try a one-off $200 or an extra $50 every paycheck and see the new date and the interest saved, before a cent leaves your account.
• Windfall calculator. Tax refund or bonus? Send it down your priority order or split it evenly across every debt, with zero cents left over.
• Payment schedule planner. Every upcoming commitment mapped out so you never miss a cycle.

📂 Your Data, Your Rules

• Bank statement CSV import. Upload a statement and the app finds your debt payments, remembers your merchants, flags duplicates and ignores salary, transfers and groceries.
• One-click backup and restore. Export a single backup file (plain or encrypted) and move to a new phone in seconds, straight from the unlock screen.
• Printable PDF payoff plan. Your debt list, schedule and milestones in a clean report for the fridge or the binder.

🔒 Private By Design

• No bank login. You never hand over your banking password. Ever.
• No account, no email signup, no password to remember. Open the link, enter your licence code, done.
• No cloud. Everything is stored on your phone and nowhere else. No remote database, no tracking, nobody looking over your shoulder.
• No subscription. One payment. Yours to keep.
• Works offline. Add it to your iPhone or Android home screen and it runs like a native app, signal or not.

🎨 Looks As Good As It Works

Five themes, including JRen Dark, Purple, Green and Blue to match our budget spreadsheets. Big, readable numbers, and 14 plain-English (i) tooltips so Avalanche, Promo Rate and Negative Amortisation never need a Google search.

🎯 Why This Works When Other Apps Fail

• Clarity. You see your finish line on day one. A month and a year, not a graph.
• Speed. Five seconds to log a payment beats waiting for a slow bank sync.
• Motivation. Every extra dollar shows you the days you just took back from the bank.
• Trust. No bank logins, no cloud, no monthly fee.

⚡ Get Started In 60 Seconds

1. Instant access. Your app link and licence code arrive in your email within seconds of checkout.
2. Open the link on your phone and enter your code. No app store, nothing to download.
3. Add it to your home screen. Now it is one tap away every payday.
4. Add your debts. Your debt-free date is on screen straight away.

Works on iPhone and Android. Pairs perfectly with our Complete Debt Payoff Planner spreadsheet if you like to plan at your desk and log on the go.

🛡️ The "Actually Use It" Guarantee

Try this for 14 days. If you set it up, use it for at least a week, and genuinely feel it is not right for you, email us and we will refund you in full.

All we ask is that you show us you gave it a real go. Send a quick screenshot of your setup and tell us what did not work. No hard feelings.