Debt-free: Payment Tracker

5.0 ★ - #1 Debt Tracker App

In-app purchases

About this app

Debt-free — the payment tracker that makes sure you never miss a due date again. 🕊️

Juggling utang, bills, installments, and subscriptions? Debt-free keeps every payment in one place, reminds you before it's due, and keeps ringing until it's paid. No more late fees. No more "nakalimutan ko!"

🔔 ALARMS THAT WON'T LET YOU FORGET
• Reminders that start days before the due date — you choose when
• Repeating alarms (every 30 min to 24 hours) until you mark it paid
• Mark as Paid or Snooze right from the notification
• Works for one-time debts and monthly bills alike

💳 TRACK EVERY KIND OF PAYMENT
• Credit cards, loans, installments, bills, subscriptions, pay later, utang to friends & family
• See progress on every debt: 3 of 6 paid, 3 months to go
• Auto-advance: when one month is paid, the next is already scheduled
• Attach a photo or logo to each payment so your list feels like yours

💰 KNOW WHAT YOU CAN REALLY SPEND
• Add your income and living costs (food, transpo, rent, allowance)
• Your dashboard shows your real remaining budget after bills and expenses
• Swipe the budget card to see your monthly savings at a glance
• Friendly messages that cheer you on — or warn you before you overspend

📊 WATCH YOUR DEBT SHRINK
• Total debt payoff progress — how close are you to debt-free?
• Monthly spending trend, cash flow vs. income, and category breakdowns
• Full payment history, organized by month
• Celebrate every loan you clear 🎉

✨ MADE TO BE EASY
• A friendly step-by-step tutorial walks you through your first payment
• Clean, calm design — your finances without the stress
• Multiple currencies (₱ PHP, $ USD, and more)
• Blue or pink theme — make it yours

🔒 YOUR DATA, PROTECTED
• Your finances stay on your device
• Optional cloud backup & sync to keep your data safe across phones
• No ads. Ever.

FREE TO USE
Track up to 5 active payments free, forever. Go Premium for unlimited payments, cloud backup, and more — one affordable subscription, or pay once for lifetime access.

Start your debt-free journey today. Your future self will thank you. 🕊️

What’s new

A calmer, more refined look — smaller type and tighter cards across the whole app.
▎ • Living costs: add food, transpo, rent, and daily expenses to see what you can really spend
• Budget screen: money in, living costs, and what's left for debts & savings in one place
• Flip between your Remaining Budget and Income & Living Costs
• Interactive spending trend, cash flow vs. income, cleaner categories
• Mark as Paid, Snooze 1h, or Open — right from the notification