My Debt Freedom
See the path to zero — without handing anyone your numbers.
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.
What it does
Your debt list (free)
Name, type, balance, APR, minimum, and due day. Zero percent APR is allowed. The list is yours even if you never subscribe.
On this iPhone only
No account. No bank sync. Debts, payments, and awards never leave the device.
Snowball and avalanche
See months to zero, interest, and which debt to attack first. Paid-off minimums roll into the next target.
Log payments
Record what you actually paid. The plan updates from real balances, not a spreadsheet guess.
Found money + coach
Put a refund on the right debt. On iOS 26 with Apple Intelligence, ask in plain language. The math still comes from the same engine.
Optional lock
Face ID, Touch ID, or your device passcode can hide the app when you leave it.