DebtFree Planner: Pay Off Debt

DebtFree Planner is a debt payoff planner that turns a pile of loans and credit cards into a clear, step-by-step plan. Enter each debt's balance, interest rate (APR) and minimum payment, add what you can pay extra, and see the exact month you will be debt free. Compare the debt snowball and debt avalanche methods, watch your payoff timeline shrink and track every payment, all in one simple app.

If you are searching for a way to pay off credit cards, student loans, an auto loan or medical bills faster, this debt calculator shows what each extra dollar can do.

HOW IT WORKS
1. Add your loans and debts with balance, APR and minimum payment
2. Set a recurring extra amount: monthly, twice a month, every 2 weeks or weekly
3. Pick a payoff strategy and follow the plan
• Debt Snowball: lowest balance first for quick wins and steady motivation
• Debt Avalanche: highest interest rate first to save the most interest
• Custom order: you decide which debt comes first
• One-time fundings (snowflakes): plan a bonus, tax refund or extra paycheck

HOME
• Debt-free countdown with your payoff month and the years and months to go
• Payoff progress ring showing principal paid and remaining balance
• Payoff timeline chart with the balance of every category over time
• Learn: short guides on credit cards, student loans, auto loans, balance transfers and debt consolidation

DEBTS
• Summary donut of your total balance by category
• Eight categories: credit card, student loan, auto loan, medical, mortgage, personal loan, taxes and other
• Search your debts and sort by balance, rate or name
• Each debt shows its progress, APR, minimum payment and payoff date
• A warning appears when a minimum payment does not even cover the monthly interest
• Try the app with sample debts before you enter your own

STRATEGY
• Move the extra-payment slider and see the debt-free date, countdown, months saved and interest saved update live
• Chart your plan against paying only the minimums
• Compare snowball and avalanche side by side to see the total interest of each
• Choose how often your extra funding arrives

PLAN
• A step-by-step payoff schedule: which debt gets the extra money, how long each step lasts and the date each debt is paid off
• Rolled-over payments show how a paid-off debt feeds the next one

TRACK
• Log every payment in seconds; balances and your debt-free date update instantly
• Payment history grouped by month, with paid this month and total paid
• Milestone message when a debt is fully paid off
• Undo a payment and the balance goes back up

SETTINGS
• Choose your currency, language and theme: light, dark or system
• Add your name for a personal greeting on Home
• 14 languages, dark mode and right-to-left layouts

WHO IT IS FOR
• Anyone with several credit cards or loans who wants one clear plan
• People choosing between snowball and avalanche
• Households building a budget around a debt-free date
• Anyone who wants to see how a bonus or tax refund shortens the payoff

PRIVATE BY DESIGN
No account, no sign-up and no bank login. Your debts stay on your phone.

FREE WITH ADS, PRO REMOVES THEM
DebtFree Planner is free with ads and plans up to 3 debts. DebtFree Pro (monthly, 3-month or yearly subscription, or a one-time lifetime purchase) removes ads and unlocks unlimited debts, custom payoff order and unlimited one-time fundings. Some Pro features can also be unlocked for a while by watching a short video. Subscriptions renew automatically until you cancel in Google Play. Lifetime is a one-time payment.

Download DebtFree Planner, add your first debt and get your debt-free date today.

Results are estimates based on the numbers you enter and monthly compounding. DebtFree Planner is a planning tool, not financial advice.