Paid in Full: Debt Free Date

Enter what you owe. Paid in Full works out the month you will be debt-free, shows what the interest and fees cost you along the way, and keeps a record of every payment. Change one number and watch the date move.

YOUR DEBT-FREE DATE One date, front and centre: the month your last balance reaches zero, worked out from the balances, rates and minimum payments you enter. Credit cards, store cards, car loans, student loans, a medical bill, money owed to family — any debt with a balance and a payment.

WHAT IT COSTS YOU Interest this month, interest still ahead, and fees: a card's annual fee is charged in its month, every year the debt is open, and kept apart from interest so you can see it. Paid in Full compares your plan with paying only the minimums — the interest and fees on each, per debt and in total, and how many months apart they finish. Every figure is an estimate from your numbers, and the app says so.

WHAT IF I PAID MORE? Drag the slider and the date rolls to its new month while you watch. The months saved and the interest you would not pay update as you move it. Add a one-off payment in a future month — a bonus, a refund — and see where it lands.

SNOWBALL OR AVALANCHE Smallest balance first, so a debt disappears sooner. Highest rate first, so the interest is lower. Or your own order. Both named orders sit side by side with their debt-free month, interest, fees and first debt cleared. The app states the trade-off and does not choose for you.

TRACK WHAT YOU ACTUALLY PAY Log each payment and see the plan against what really happened, as a plain number ahead or behind. Copy the interest and fees off your statement too, and the app keeps a running total of what the debt has cost so far. Progress bars for every debt, a chart of what you owe over time, milestones as they arrive — the first debt closed, a quarter, half and three quarters repaid — and a history of every time your debt-free date moved, and why.

THE HONEST SCHEDULE Month by month, per debt: interest, fees, payment and what is left, in figures that line up. When a minimum payment does not cover the interest, the app says plainly that the balance grows and will not reach zero on that plan, instead of showing a date decades away.

YOUR DATA, ON YOUR DEVICE No bank login, no account, no server. Everything you enter stays on this device. Export your debts, payments and the full schedule as CSV whenever you like, and delete everything from Settings in one step. English, Spanish, Portuguese, French and German; light and dark.

FREE, WITH A SMALL AD Paid in Full is free. A banner on the Debts and Settings screens pays for it, and now and then a full-screen ad after you save a payment. Never over your plan, the schedule or the simulator. Nothing to buy.

Paid in Full does arithmetic on the numbers you enter. It is not financial advice, it does not connect to any bank or lender, and its figures are estimates: your lender's statement is the final word.

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