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  • DebtFree AI Coach screenshot 1
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About DebtFree AI Coach

Know your exact debt-free date in 60 seconds. DebtFree AI Coach uses artificial intelligence to build your personalized debt payoff plan and shows you exactly when you'll be completely debt free. No more guessing. No more minimum payments into the void. Just a clear finish line. CHOOSE YOUR PAYOFF STRATEGY Debt Snowball — pay off smallest balances first, build momentum fast. This is Dave Ramsey's proven method that keeps you motivated with quick wins. Debt Avalanche — attack the highest interest rate first and save the most money overall. DebtFree AI models BOTH strategies so you can see exactly which payoff date works best for you. HOW IT WORKS 1. Enter your debts — credit cards, student loans, auto loans, personal loans, medical bills 2. Enter your balance, interest rate (APR), and minimum payment 3. Add any extra monthly amount you can put toward debt 4. Instantly see your debt-free date for both strategies 5. Track every payment and watch your date get closer WHAT DEBTFREE AI TRACKS Credit card debt — Chase, Capital One, Citi, and more Student loans — federal and private Auto and car loans Personal loans Medical bills Any other debt you're carrying FREE TO START Try it for 30 days for free, then $4.99 if you decide to keep it. Cancel anytime. Having a clear plan will save you tons in interest and help you break free from the chains of debt. WHY DEBTFREE AI IS DIFFERENT Most debt apps just track your balances. DebtFree AI tells you WHEN you'll be free — and uses AI to help you get there faster. That one number changes everything. The day you see your debt-free date is the day debt stops running your life. Download free and find your date today. Terms of Use https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

What’s new

Version 1.0.2 · Updated June 10, 2026

Updated the onboarding/pricing card to reflect $4.99 annual subscription.

App privacy

The developer, Michele Mackin, reported these privacy practices to Apple.

Data Not Collected

The developer does not collect any data from this app.

Alternatives to DebtFree AI Coach

Looking for apps like DebtFree AI Coach? Here are 6 similar apps on the App Store. The highest rated is Lendubi (5.0/5), and all 6 are free to download.

DebtFree AI Coach vs. alternatives
App Rating Price Last updated Compare
DebtFree AI Coach – Free June 10, 2026
Debt Payoff X – Free May 10, 2026 Compare
Buy My Freedom — Debt Payoff – Free Feb 23, 2026 Compare
Lendubi 5.0 / 5 (1) Free Jul 8, 2026 Compare
Debt Payoff Pro: Loan Tracker 5.0 / 5 (2) Free May 5, 2026 Compare
Debt Snowball Calc: Pact – Free Jun 11, 2026 Compare
Debt Payoff Tracker - DebtFree – Free Oct 6, 2026 Compare

Compare DebtFree AI Coach with the top alternatives: ratings, updates, ASO score and keyword gaps →