Debt Payoff Tracker App: Snowball & Avalanche Planner, Works Offline on Phone, Tablet, Computer

DebtFree is a debt payoff tracker app that tells you what to pay on each payday and shows your projected debt-free date. Plan with the debt snowball, the debt avalanche or your own order, for credit cards, student loans, car loans and more.

Try the free demo before you buy: https://demo.debtfree.jykdigital.com

A one-time digital purchase. No subscription, no account, no bank connection. Works offline on your phone, tablet and computer.

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WHY SWITCH FROM A SPREADSHEET
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• Every paycheck gets its own short list: which debts to pay, and how much. No formulas to build or fix.
• Made for your phone. On payday, confirm the paycheck as planned, adjust the amounts, or pay minimums only in a tight month.
• When life doesn't follow the plan, the plan follows you: an extra payment, a tax refund or your lender's statement balance moves your debt-free date straight away.

DebtFree is an app that opens in your browser and installs like any other app. It is not an Excel or Google Sheets file, and you don't need either one.

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WHAT IT DOES
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• Your Freedom Date: the month you are projected to be debt-free, and how much sooner that is than paying only the minimums.
• Snowball, Avalanche or your own order: see each one's payoff date and interest before you choose.
• Payday Check-In: one tap when the paycheck went as planned, and room for the months that don't.
• Match My Statement: enter your lender's balance and the plan carries on from the real number.
• Extra money and expenses: add a bonus, a tax refund or a car repair and see what it changes.
• Quick What-If and Scenario Lab: try a bigger payment or a lump sum without touching your real plan.
• 0% deadlines: see what will be left when a promotional rate ends, and the extra per paycheck that clears it in time.
• Progress you can see: a chart, milestones, and a Payoff Ceremony each time a debt is gone.
• For one person or two: mark each debt as yours, your partner's or shared.
• Private: a PIN lock, and Discreet Mode to hide the amounts on screen.
• Calendar reminders for due dates and paydays, in your own calendar app.
• Use it on more than one device: link your phone and computer and they stay up to date, encrypted end to end.
• Back up everything to one file you keep, and export your debts, payments and payoff schedule as CSV files.

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WHAT YOU RECEIVE
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• START HERE.pdf: your private link to open DebtFree, install steps for each device, and links to 16 short video guides.
• DebtFree License.pdf: what your purchase includes.
• Updates published at debtfree.jykdigital.com, for as long as they are offered.
This is a digital item. Nothing is shipped.

HOW IT WORKS
1. Download the two PDFs from Etsy after purchase.
2. Tap "Open DebtFree" in START HERE (use your normal browser, not a private tab).
3. Install it on your Home Screen or from your browser, then set up your plan in a few minutes.

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GOOD TO KNOW
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• Works on iPhone, iPad, Android phones and tablets, and Windows, Mac and ChromeOS computers. On iPhone and iPad, install it before you set up your plan.
• You enter your balances and payments yourself. DebtFree never connects to your bank or your lenders.
• Your plan stays on your devices. There's no account to create. Linked devices exchange it encrypted, and our server can't read it.
• Amounts can be shown in US, Canadian or Australian dollars, British pounds or euros.
• You buy DebtFree once. It is not a subscription or a membership.
• Back up regularly: you're responsible for keeping a copy of your data.
• Your licence is for your own use, on your own devices. Please don't share your private link. To give DebtFree as a gift, buy them their own copy.
• DebtFree is a planning aid, not financial, credit or legal advice. Its projections are estimates based on what you enter; your lender is the source of truth.

Questions? Message us on Etsy. We're happy to help.