Debtless: Debt-Free by When

You are about to know when you will be free. Debtless takes your debts as they are — balance, rate, minimum payment, due day — and gives you the date your last one is cleared, the interest you will pay, and the interest you avoid as soon as you put in a little more each month.

WHO IT IS FOR Anyone paying off a credit card, a personal loan, a buy-now-pay-later plan, a student loan or a car loan, who would like to know where it leads. In dollars, euros or your own currency: the app detects it, and you change it in one tap.

THE DATE COMES FIRST One minute is enough: three questions, no account, no bank connection, and your date appears. Nothing to pay to see it. Enter your debts by hand, in one sentence ("a card at $4,280 at 19.9%, minimum $115"), or by photographing a statement — read on your iPhone, never sent.

SNOWBALL OR AVALANCHE Both strategies, side by side, with their two dates and their two interest totals. The app states what each one changes, in numbers, and does not choose for you. A cleared debt frees its payment for the next one: that is the snowball effect, and it is computed, not promised.

WHAT IF… One slider, and the date moves. Fifty more a month, every payment rounded up, a bonus paid in one go: each scenario shows its days gained and interest avoided, and applies in one tap without erasing any of your history.

ONE PAYMENT, TWO TAPS On payday you log your payment in two taps and you see the date. With Premium, you can also do it from the widget or the lock screen, without opening the app. A duplicate between the widget and the app is caught before it is saved. A mistake is undone in four seconds.

WHEN IT DOESN'T WORK OUT A month when you can't pay is a month, not a fault. The screen made for it shows exactly what each option changes — minimums only, effort paused, a replan — and, if it is more serious, your country's public debt-advice services, free and confidential.

MILESTONES, NOT MEDALS First debt cleared, a quarter repaid, half, six months of effort held, free. With Premium, every milestone reached becomes a card you can share, amounts hidden by default.

WHAT IS FREE STAYS FREE Three debts, both strategies, the freedom date and interest, payment logging, an event to aim for, the simple widget, CSV import and export. None of it ever locks, including at the end of the Premium trial.

PREMIUM, IF YOU WANT An auto-renewable yearly subscription with a seven-day free trial; the price is shown before any payment, and you can cancel any time from the iOS settings. What it adds: unlimited debts, a household plan between two iPhones with no server, a payday brief written from your totals, an educational coach and a rate-negotiation script, windfall splitting, kept scenarios, pause mode, a PDF report for an adviser, the payday Live Activity, advanced widgets and share cards.

YOUR DEBTS STAY ON YOUR IPHONE No account, no bank connection, no ads. The app measures a few usage steps, not tied to your identity — never your amounts, and with no advertising ID. Everything is written to a file on your iPhone, which you export whenever you want. Google's AI can write a few texts (coach, brief, the "why" sentence): nothing is sent before you agree, on a screen listing what would be sent — mostly totals, never a payment.

WHAT IT IS NOT A simulator, not an adviser. Debtless lends no money, recommends no financial product, no refinance, no investment, and connects to no bank. In case of arrears or proceedings, it points you to public help.

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