# Debtless

> Debtless is a completely free and private debt payoff app for iPhone. It tracks debts, compares avalanche, snowball, hybrid, and custom plans, projects payoff dates, scans statements, and offers an on-device Plan Assistant grounded in app-calculated numbers on compatible Apple Intelligence devices.

## Quick facts

- Platform: iOS (iPhone)
- Pricing: Completely free. No subscription, in-app purchase, paywall, advertising, or paid feature tier.
- Privacy: No sign-in account, bank linking, third-party tracking, analytics, or ad SDKs. The ledger, Plan Assistant history, and generated requests stay on-device.
- Generated features: The Plan Assistant, Earn ideas, and enhanced statement parsing use Apple's on-device Foundation Models framework on compatible devices, with no network AI fallback or message quotas.
- Support: https://debtlessapp.com/support/

## What it does

- Tracks debts (credit cards, loans, anything) and shows total debt and debt-free date up top
- Compares avalanche, snowball, and hybrid payoff strategies side by side
- Paycheck planning: log a payment with one tap
- Payoff projections that update as inputs change
- Statement scanning to add a debt without typing it in
- Plan Assistant for exploring scenarios based on the user's entered balances and saved conversation context
- Earn ideas pointed at the most expensive debt
- CSV export of everything

## Pages

- [Home](https://debtlessapp.com/): overview, features, free promise, FAQ
- [Privacy](https://debtlessapp.com/privacy/): privacy policy
- [Terms](https://debtlessapp.com/terms/): terms of use
- [Press](https://debtlessapp.com/press/): press kit, assets, descriptions
- [Support](https://debtlessapp.com/support/): help and contact

## Payoff guides

- [How to make a debt payoff plan from your statements](https://debtlessapp.com/guides/how-to-make-a-debt-payoff-plan/): Turn balances, APRs, minimum payments, and due dates into a debt list you can maintain. Includes a simple payment-budget example.
- [Debt snowball vs. avalanche: which debt goes first?](https://debtlessapp.com/guides/debt-snowball-vs-avalanche/): Compare debt snowball and avalanche with a worked example, minimum-payment checklist, and an explanation of Debtless hybrid planning.
- [Can you track debt without linking your bank?](https://debtlessapp.com/guides/debt-tracker-without-bank-linking/): How manual debt tracking works in Debtless, what statement scanning helps with, and what you maintain yourself without connected accounts.