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Free debt apps
Debt Tracker App Fields: Inputs and Calculated Results
See which debt tracker app fields you must keep current, which results the app should calculate, and how the same ledger works in a spreadsheet.
Money decisions, made clearer.
The Debtless Journal
Debtless is a 100% free debt payoff app for iPhone. Practical ways to get out of debt, one decision at a time. Clear examples, useful routines and a free app to put your plan into practice. The Debtless Journal is a free debt blog of practical articles on payoff methods, credit card interest, loans, collections, budgeting and privacy, written for anyone deciding how to pay down what they owe. It turns reading like this into a plan, drawing on 442 articles in this library.
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A curated debt blog reading list
Five practical resources for moving from a question to a payoff plan.
- Debt payoff calculatorEnter balances, APRs, minimums and an extra payment to compare snowball and avalanche schedules.
- How to create a debt payoff planTurn current statements and a repeatable monthly amount into a plan you can update.
- How card minimum payments are calculatedUnderstand the formulas and floors that can change a card payoff forecast.
- What to do when a debt collector callsStart with the information to request before you confirm or pay anything.
- Track debt without bank linkingSee how a private, manual ledger works and what you need to maintain yourself.
More to read
442 articlesFree debt apps
Debt Tracker App Fields: Inputs and Calculated Results
See which debt tracker app fields you must keep current, which results the app should calculate, and how the same ledger works in a spreadsheet.
Payoff methods
Debt Payoff Planner: A Preflight Checklist
Check what a debt payoff planner assumes before accepting its forecast: minimums, extra payments, rollover rules and completion limits.
Free debt apps
Debt Payoff App: Native and Web Controls Compared
Compare Debtless’s tracked native planning controls with its public web calculator. See which choices exist in each and what source inspection can prove.
Privacy & habits
Close a PayPal Account Without Losing Debt Records
Avoid confusing PayPal account closure with debt repayment or deleting a local ledger. Save verified records and keep unresolved obligations visible.
Getting started
Debt Payoff Plan: From Statement Stack to First Payment
Build a debt payoff plan from current statements, a repeatable monthly amount, a clear order, and a first-payment calendar.
Payoff methods
Debt Payoff Calculator With a Monthly Schedule
Enter balances, APRs, minimums and extra money to compare avalanche and snowball payoff dates, interest and a month-by-month schedule.
Payoff methods
Debt Snowball Calculator With a Monthly Schedule
Enter balances, APRs, minimums and extra money to calculate the snowball payoff order, debt-free date and month-by-month schedule.
Payoff methods
Debt Avalanche Calculator: Order Debts by APR
Use a debt avalanche calculator to sort four debts by APR, roll payments forward, and compare the same numbers with a debt snowball.
Credit card debt
Credit Card Payoff Calculator: Date and Interest
Enter a credit card balance, APR and fixed payment to estimate the payoff date, total interest and savings from paying more each month.
Loans & bills
Student Debt Payment Calculators Compared
Compare student debt payment calculators for fixed payments, federal plan eligibility, income-based estimates, and private loan payoff schedules.
Payments & progress
Build a Loan Payoff Calendar You Can Check Monthly
Build a loan payoff calendar with payment dates, extra-payment dates, and balance checkpoints. Use it to catch drift before the final month.
Loans & bills
What a Mortgage Early Repayment Calculator Shows
A mortgage early repayment calculator compares your current schedule with extra principal. Learn which inputs matter and how to read the result.
Loans & bills
Estimate a Loan Payoff From Today's Balance
Estimate a loan payoff from the current balance, rate, and payment. Follow a worked $18,400 example and learn when to request a payoff quote.
Payoff methods
Debt Snowball App and Spreadsheet Template
Use Debtless as a free debt snowball app or download the spreadsheet template, then follow the ten-minute build instructions for your own sheet.
Free debt apps
Paper, Spreadsheet, or App: What Each Debt Tracker Records
A debt tracker is any record of what you owe and when it should be paid off. Compare paper, spreadsheet and app trackers by the fields they record.
Loans & bills
How to Ask Your Servicer for a Mortgage Recast
A mortgage recast is a new payment calculated after a lump sum, spread over the remaining term at the same rate. Ask your servicer for the numbers in writing.
Loans & bills
Loan Lending Checklist: 10 Terms to Check Before You Sign
A loan lending checklist is a short list of terms to check in a personal loan offer: APR, fees, add-ons, late and prepayment clauses.
Loans & bills
Loans for Terrible Credit: Four Mistakes to Avoid
A loan for terrible credit is a personal or short-term loan for borrowers with low scores. Four mistakes make it cost more than it should.
Loans & bills
Loans With Low Credit: Four Options Compared
A low-credit loan is a borrowing product for people with weaker scores. Compare four options, from credit union PALs with a 28% cap to payday loans.
Loans & bills
How to Negotiate With Debt Collectors
Confirm the debt and owner, set an affordable settlement ceiling, then make a proposal and get every promise in writing before paying.
Give your plan a place to live.
Track balances and compare payoff methods in Debtless. Free, with no account or bank connection.
