DebtFreeDebt payoff tracker
Your debt-free plan, without the spreadsheet.
See what to pay each payday and your projected debt-free date.
The button opens Etsy, where you pay. No account. Works offline on your phone, tablet and computer.
A payoff plan that keeps up with real life
Not a calculator you use once: a plan you check in with every payday.
What to pay each payday
Every paycheck gets its own short list: which debts to pay and how much.
Your debt-free date
The month you are projected to finish, with Snowball, Avalanche or your own order.
Tight month or a bonus
Confirm a paycheck as planned, adjust it, or pay minimums only. Add a tax refund or an unexpected expense and see your date move.
Matched to your statements
When your lender's balance differs, enter it and the plan carries on from the real number.
Try a change first
See what a little more per paycheck or a lump sum would do, without touching your real plan.
Beat a 0% deadline
See what will be left when a promotional rate ends, and the extra per paycheck that would clear it in time.
See it before you buy
The free demo opens a sample payoff plan, already filled in. Nothing is saved, so change anything you like.
Private, offline, yours
Stays on your device
Your plan is kept in your browser on your device, with no account and no bank connection. If you link devices, it is encrypted on your device before it syncs.
Works without internet
Install DebtFree on your phone, tablet or computer and it opens like any app, with or without a connection.
Backups you control
Save everything to one file, keep it in your own cloud drive, and restore it on a new device.
How it works
- Buy DebtFree on EtsyA one-time digital download. No subscription.
- Open START HEREIts button opens DebtFree with your private link. Keep the PDF.
- Install itAdd it to your Home Screen or install it from your browser, then set up your plan in a few minutes.
Questions
Is there a subscription?
No. DebtFree is a one-time purchase on Etsy. There is no account and no monthly fee.
Does it connect to my bank?
No. You enter your balances and payments yourself. There is no bank login.
How accurate are the numbers?
They are estimates, worked out from what you enter. Your lender is the source of truth: when a statement differs, Match My Statement brings your plan back in line. DebtFree is a planning aid, not financial advice.
What kinds of debt can I track?
Credit and store cards, buy now, pay later, personal, auto and student loans, medical debt and others. A mortgage can stay outside your payoff goal.
Which devices does it work on?
iPhone, iPad, Android phones and tablets, and Windows, Mac and ChromeOS computers, in the browser or installed like an app. On iPhone and iPad, install it before you enter anything: the Home Screen app keeps its own storage.
Where is my data kept?
On your devices, with no account. If you link devices, your plan travels between them encrypted.
Does it work without internet?
Yes. Once opened, DebtFree works offline.
Can I use it on more than one device?
Yes. Link your phone, tablet and computer with a six-digit code and they stay in step. Your data is encrypted on your device before it leaves it, so the server can't read it.
Start your payoff plan today
The button opens Etsy, where you pay. You get START HERE, which opens DebtFree with your private link.