Debtless
Budget & cash flow
Where to keep your buffer while paying off debt
A debt-payoff buffer belongs in a separate savings account you can reach quickly, not in everyday checking and not in investments that can lose value.
Money decisions, made clearer.
Budget & cash flow
Debtless is a 100% free debt payoff app for iPhone. Find room for payments without losing sight of everyday expenses. It turns reading like this into a plan, drawing on 442 articles in this library.
Budget & cash flow articles
46 articlesBudget & cash flow
After a debt is gone: keep the payment working
When a debt is paid off, redirect the whole payment right away, before it blends into everyday spending and quietly disappears into lifestyle creep.
Budget & cash flow
A monthly money review when you live alone
A simple 30-minute monthly money review for one person: check balances, compare spending to budget, and write down every decision you make.
Budget & cash flow
An annual budget reset for a debt plan
Once a year, rebuild a debt-plan budget from scratch to catch insurance renewals, raises and changed minimum payments all at once.
Budget & cash flow
Debt payments on commission income
How to structure debt payments around commission income: size minimums to a floor month, then send a set percentage of everything above it.
Budget & cash flow
Should You Pay Off Debt or Save Money?
Capture your employer 401(k) match and build a small cushion before aggressively paying off debt. Here's a decision table for which comes first.
Give your plan a place to live.
Track balances and compare payoff methods in Debtless. Free, with no account or bank connection.
