Press kit

Debtless is a completely free debt payoff app for iPhone. This page has the verified facts and assets needed to write about it.

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One-sentence description

Debtless is a completely free and private debt payoff app for iPhone that puts your projected debt-free date at the top of the screen and keeps an on-device Plan Assistant a tap away.

One-paragraph description

Debtless is a completely free debt payoff app for iPhone. It tracks debts, projects when you'll be free, and compares avalanche, snowball, cash flow, and custom plans side by side. Every feature is included: statement scanning, Earn ideas, and an on-device Plan Assistant on compatible Apple Intelligence devices. There are no subscriptions, purchases, ads, accounts, bank connections, or third-party tracking SDKs.

App icon

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Screenshots

Debtless overview and completely free message

Private on-device Plan Assistant conversation

Founder

Logan Moore, solo developer. Built Debtless because the other debt apps either nagged him or buried the one number he cared about: when am I free.

Support: Debtless support page

Quick facts

Platform: iPhone (iOS).
Pricing: Completely free. No subscriptions, in-app purchases, ads, or paid tier.
Privacy: No sign-in account or bank linking. The ledger, conversation history, and generated requests stay on-device. No third-party ad, tracking, or analytics SDKs.
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.

Numbers at a glance

Debtless costs $0 and includes 4 payoff order options: Avalanche, Snowball, Cash Flow and Custom. Source: the current Debtless product fact sheet and App Store listing, reviewed October 7, 2026.

Common questions

How much does Debtless cost?

Debtless costs $0. Every feature is free, with no subscription, in-app purchase, advertising or paid tier.

Does Debtless connect to bank accounts?

No. Debtless has no sign-in account or bank linking. Its debt ledger and generated requests stay on the iPhone.

Boilerplate

Debtless is a completely free personal debt payoff app for iPhone built by Logan Moore. It tracks debts, projects payoff dates, compares payoff strategies, and offers an on-device Plan Assistant grounded in app-calculated numbers on compatible devices. There are no subscriptions, purchases, ads, accounts, bank connections, or third-party tracking SDKs. Core data and generated requests stay on-device.