Debt Payoff Planner & Coach

SoulApps

In-app purchases

About this app

Still paying minimums with no end in sight?
DebtFree Coach is your personal debt payoff planner and debt tracker — showing your exact debt-free date, saving you thousands in interest, and guiding you every step of the way. No bank login required. No personal data collected.

🎯 DEBT AVALANCHE & SNOWBALL STRATEGY COMPARISON
Not sure which strategy is right for you? DebtFree Coach instantly compares Debt Avalanche and Debt Snowball — showing exactly how much interest and time each one saves.
🏔️ Debt Avalanche — Highest interest rate first. Save the most money overall.
❄️ Debt Snowball — Smallest balance first. Build momentum with quick wins.
⚙️ Custom Priority — Your own payoff order. Full control, your way.
Switch strategies any time and watch your debt-free date update instantly.

📊 SEE YOUR DEBT-FREE DATE — AND BELIEVE IT
DebtFree Coach builds a complete repayment schedule across all your debts — credit cards, personal loans, car loans, student loans, and more.
✅ Debt-free date with countdown
✅ Interest saved vs minimum-only path
✅ Months shaved off your timeline
✅ Balance paydown chart — Your Plan vs Minimum Only
✅ Extra payment simulator — drag to see impact instantly

💳 EVERY DEBT TRACKED IN ONE PLACE
Add any debt in seconds — credit card, personal loan, car loan, mortgage, or buy now pay later. This debt tracker keeps balances, APR, minimum payments, and due dates automatic and up to date.
No spreadsheets. No mental math. No stress.

📅 PAYMENT TRACKER & REMINDER
Your personal payment calendar shows every upcoming payment across all debts. Mark as paid, skip, or reschedule — your plan updates automatically.
Get reminders before due dates so late fees are history.

📈 MONTHLY REPORTS THAT MEAN SOMETHING
Every month, see how much interest you avoided, how much principal you paid down, and how many months closer you are to debt freedom. Export as PDF anytime.

🏆 MILESTONES & STREAKS TO KEEP YOU GOING
🔥 Payment streaks — build consistency month by month
🏅 Achievement badges — First Payment, $1K Paid, $10K Paid and more
🎉 Celebrations — every zero balance gets a moment
📤 Share your wins with friends and family

Description

📉 FULL AMORTIZATION SCHEDULE
See exactly where every dollar goes. Your amortization schedule breaks down interest vs principal for every payment — from today through to your final one.
✅ Month-by-month interest and principal breakdown
✅ Running balance right down to zero
✅ Extra payments shown separately
✅ Export your amortization table as CSV
Use it as a loan amortization calculator for any credit card, car loan, or mortgage.

🧮 A CALCULATOR FOR EVERY PAYOFF QUESTION
"What if I pay $200 more?" "What if I clear this card first?"
Use DebtFree Coach as a debt payoff calculator, credit card payoff calculator, or extra payment calculator — and see your new debt-free date instantly.
Pay off debt faster without guesswork.

🔒 PRIVATE. OFFLINE. SECURE.
Local-first app. No bank connection required. Your financial data stays on your device only. Anonymous usage analytics help us improve the app.

WHO IS THIS FOR?
DebtFree Coach is built for anyone with credit card debt, personal loans, car loans, or student loans who wants a clear debt repayment plan and an easy debt tracker. Whether you use the Debt Avalanche calculator to minimize interest or the Debt Snowball method for motivation — this loan payoff planner and debt manager works for you.
Trusted by users across USA, UK, Canada and Australia.
Download DebtFree Coach. See your debt-free date in under 2 minutes.

Ratings and reviews

A really useful app for keeping debt payments organized. I like the clear payoff plans, payment reminders, and progress tracking. The Snowball and Avalanche options are also helpful for understanding different ways to manage repayments. The interface is simple and easy to use.

"This Debt Payout Planner changed everything for me. It breaks down all my debts and shows exactly how much to pay each month to be debt-free faster. The reminders and progress tracker keep me motivated. Finally I can see a clear path out of debt. Best financial app I’ve used! ...

The basic idea is good but the app feels limited. Too many important features require payment. Also needs better explanations for beginners on how to use Snowball vs Avalanche. Hope they add more free tools in next update.

What’s new

Your full payoff schedule, start to finish.

Every row in the amortization table now shows interest, principal, and remaining balance — right through to your debt-free date. No more blank rows.

Fixed
• Monthly report labels display correctly

New
• Debt-free date and remaining interest on every debt
• Extra payments clearly marked