Debtless
Getting started
What a debt-free date is and how it is calculated
A debt-free date is a projected month when your balances would reach zero, calculated by simulating each debt forward.
Money decisions, made clearer.
Getting started
Debtless is a 100% free debt payoff app for iPhone. Make sense of what you owe and choose a manageable first step. It turns reading like this into a plan, drawing on 442 articles in this library.
Getting started articles
48 articlesGetting started
Overwhelmed by debt? Start with these three numbers
The three-number check is a quick way to size up debt: total owed, total minimums and the next due date.
Getting started
Too anxious to open your statements? Start smaller
A smaller way to face debt statements when opening them feels too hard: short timed sessions, one envelope at a time, no judgment.
Getting started
Paying off debt in your 20s: what to do first
Where to start on student loans and early credit cards in your 20s, and the habits that make later decades of debt easier.
Getting started
Paying off debt in your 40s and 50s
How to weigh debt payoff against kids, retirement saving and other competing goals in your 40s and 50s, with a way to prioritize.
Getting started
Paying off debt before retirement: what to weigh
How a fixed income after retirement changes which debts to prioritize, and why a mortgage and a credit card deserve different treatment.
Getting started
Debt payoff glossary: 25 terms in plain English
Twenty-five debt terms explained in plain English, grouped by what they describe: cost, account type, payoff strategy and collections.
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.
Give your plan a place to live.
Track balances and compare payoff methods in Debtless. Free, with no account or bank connection.
