Debt-Free: Payoff Planner
Payoff planning, no bank connection, one-time price
Debt-Free by Nash Apps builds payoff plans on iPhone (iOS 17+) and Mac (macOS 14+). You enter balances, APRs and payments manually; there is no bank connection. A slider shows how extra monthly payments change estimated payoff dates and interest, and confirmed payments are kept in a history. All figures are estimates from your own inputs, not financial advice.
The free tier covers two debts, the Avalanche calculation, extra-payment exploration, payment history, a Home Screen widget, and JSON backup and restore. The optional $4.99 Lifetime purchase adds unlimited debts, Snowball comparison, reminders, detailed schedules and plan export. The developer states debt names, balances, rates, plans and reminders stay on your device, with no account, ads or tracking.
Why no subscription? A payoff plan is a calculation tool, not an ongoing service. One $4.99 purchase, no subscription and no renewal; Apple handles payment and Restore Purchases remains available.
Keywords: debt payoff · financial planning · avalanche · snowball · no subscription · one-time purchase · budgeting
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