{"product_id":"debt-free-date-app","title":"Debt-Free Date App - Debt Payoff Tracker for iPhone \u0026 Android (No Bank Login, No Subscription)","description":"\u003cp\u003e\u003cstrong\u003eTrusted by 76,000+ customers worldwide\u003c\/strong\u003e\u003c\/p\u003e\n\u003ch2\u003eSee The Exact Month You Are Debt-Free. Then Watch It Move Closer.\u003c\/h2\u003e\n\u003ch3\u003eThe debt payoff app that lives on your phone, not in the cloud.\u003c\/h3\u003e\n\u003cp\u003eNot 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.\u003c\/p\u003e\n\u003cp\u003eMost 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.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eNo bank login. No account. No subscription. Your numbers never leave your phone.\u003c\/strong\u003e\u003c\/p\u003e\n\n\u003ch2\u003e📱 What It Actually Does\u003c\/h2\u003e\n\u003cp\u003eThis is not just a countdown. It is a full payoff engine in your pocket.\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eYour exact debt-free date, always current.\u003c\/strong\u003e Change a balance, a rate or a payment and the month and year recalculate in under five seconds.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eSnowball, Avalanche or My Order.\u003c\/strong\u003e 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.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eBuilt for your real pay cycle.\u003c\/strong\u003e Weekly, fortnightly, twice-monthly or monthly. Minimums land on their due dates, extra cash goes out on payday.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eOverpayment cascade.\u003c\/strong\u003e Pay more than a debt has left and the surplus rolls onto the next one in line. Not a cent gets lost.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eTrue snowball compounding.\u003c\/strong\u003e When a debt clears, its minimum automatically rolls into your focus debt, so your momentum builds on its own.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003ePromo APR and 0% balance transfer tracking.\u003c\/strong\u003e Enter the promo rate and expiry. When it ends, the app re-ranks your Avalanche order for you.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e\"Heads Up\" alerts.\u003c\/strong\u003e 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.\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch2\u003e⚡ Five Seconds Every Payday\u003c\/h2\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003e\"Log my usual\".\u003c\/strong\u003e One tap from the home screen logs your regular payment. No waiting on a bank feed that is three days behind.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eSee the split.\u003c\/strong\u003e Every payment shows how much went to interest and how much actually came off what you owe.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eDays Bought Back.\u003c\/strong\u003e Every payment is translated into time reclaimed. \"Your last payment bought back 31 days\" hits differently than a percentage bar.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eProgress ring, milestones and streaks.\u003c\/strong\u003e Each debt gets its own colour. Each payment fills the ring. Cleared debts get celebrated, and your logging streak keeps you coming back.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eClean balance updates and a 12-second undo.\u003c\/strong\u003e Correct a balance without wrecking your history. Reverse an accidental log with one tap.\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch2\u003e🔮 Try It Before You Spend It\u003c\/h2\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eWhat If simulator.\u003c\/strong\u003e 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.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eWindfall calculator.\u003c\/strong\u003e Tax refund or bonus? Send it down your priority order or split it evenly across every debt, with zero cents left over.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003ePayment schedule planner.\u003c\/strong\u003e Every upcoming commitment mapped out so you never miss a cycle.\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch2\u003e📂 Your Data, Your Rules\u003c\/h2\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eBank statement CSV import.\u003c\/strong\u003e Upload a statement and the app finds your debt payments, remembers your merchants, flags duplicates and ignores salary, transfers and groceries.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eOne-click backup and restore.\u003c\/strong\u003e Export a single backup file (plain or encrypted) and move to a new phone in seconds, straight from the unlock screen.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003ePrintable PDF payoff plan.\u003c\/strong\u003e Your debt list, schedule and milestones in a clean report for the fridge or the binder.\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch2\u003e🔒 Private By Design\u003c\/h2\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eNo bank login.\u003c\/strong\u003e You never hand over your banking password. Ever.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eNo account, no email signup, no password to remember.\u003c\/strong\u003e Open the link, enter your licence code, done.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eNo cloud.\u003c\/strong\u003e Everything is stored on your phone and nowhere else. No remote database, no tracking, nobody looking over your shoulder.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eNo subscription.\u003c\/strong\u003e One payment. Yours to keep.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eWorks offline.\u003c\/strong\u003e Add it to your iPhone or Android home screen and it runs like a native app, signal or not.\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch2\u003e🎨 Looks As Good As It Works\u003c\/h2\u003e\n\u003cp\u003eFive 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.\u003c\/p\u003e\n\n\u003ch2\u003e🎯 Why This Works When Other Apps Fail\u003c\/h2\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eClarity.\u003c\/strong\u003e You see your finish line on day one. A month and a year, not a graph.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eSpeed.\u003c\/strong\u003e Five seconds to log a payment beats waiting for a slow bank sync.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eMotivation.\u003c\/strong\u003e Every extra dollar shows you the days you just took back from the bank.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eTrust.\u003c\/strong\u003e No bank logins, no cloud, no monthly fee.\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch2\u003e⚡ Get Started In 60 Seconds\u003c\/h2\u003e\n\u003col\u003e\n\u003cli\u003e\n\u003cstrong\u003eInstant access.\u003c\/strong\u003e Your app link and licence code arrive in your email within seconds of checkout.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eOpen the link on your phone and enter your code.\u003c\/strong\u003e No app store, nothing to download.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eAdd it to your home screen.\u003c\/strong\u003e Now it is one tap away every payday.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eAdd your debts.\u003c\/strong\u003e Your debt-free date is on screen straight away.\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp\u003eWorks 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.\u003c\/p\u003e\n\n\u003ch2\u003e🛡️ The \"Actually Use It\" Guarantee\u003c\/h2\u003e\n\u003cp\u003eTry 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.\u003c\/p\u003e\n\u003cp\u003eAll 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.\u003c\/p\u003e\n","brand":"JRen Digital","offers":[{"title":"Default Title","offer_id":67681031225417,"sku":null,"price":37.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0653\/2762\/8361\/files\/dfd-01-hero.png?v=1791967624","url":"https:\/\/jrendigital.com\/products\/debt-free-date-app","provider":"JRen","version":"1.0","type":"link"}