DebtFree
Crush your debt. Keep your peace.
A privacy-first debt payoff tracker using Snowball and Avalanche methods. Visualizes payoff plans, calculates interest saved, and tracks a 'freedom date'.
DebtFree
finance
"Crush your debt,
Keep your peace."
What you get
Built the way we'd want it built ourselves.
Six design principles DebtFree shares with every other app in the studio. Opinionated on purpose.
Lives on your phone
Your data never leaves the device. No server to leak. No account to phish.
Fast enough to actually use
Core flows take seconds. Built for the in-the-moment version of you, not the imagined disciplined one.
Patterns surface themselves
The insight you need appears when the data is ready. No dashboards to babysit.
Made to be re-read
Your entries are kept as a readable record — something you'd actually want to open in a year.
Warm, not clinical
Written with a tone closer to a journal than a medical chart. Your language, not ours.
Pay once, keep using
A fair, one-time price where it makes sense. No dark patterns, no renewal notices.
How it works
Three steps. No account. No tracking.
01
Download once
Install DebtFree from the App Store when the waitlist opens. No account setup — it works the moment you open it.
02
Use for ninety seconds a day
The product is designed so the useful thing takes less than two minutes. Anything longer and you stop. We know.
03
Notice what changes
Patterns surface after two to three weeks. The data is yours alone — no cloud, no report to anyone.
Not shipped yet
Notify me when DebtFree ships.
It'll launch at $19.99 lifetime. Free tier: track up to 2 debts, snowball or avalanche, basic projection.
One email when it lands on the App Store. No drip sequence.
No spam. No tracking. Email only — unsubscribe with one click.
From the journal
Notes on make the money behave.
- 01
Your Debt Freedom Date: The One Number That Actually Matters
When you're paying off debt, most people watch the wrong numbers. Your debt freedom date — the day your last balance hits zero — is the only one worth tracking.
2026-04-15
4 min read
- 02
How to Pay Off Debt Without the Anxiety That Keeps You Avoidant
Most people don't fail at debt payoff because they lack discipline — the anxiety wins first. Here's how to pay off debt without anxiety driving you back to avoidance.
2026-04-15
5 min read
- 03
Debt Avoidance: Why You Keep Closing the App Before It Loads
Debt avoidance is not laziness — it's your brain protecting you from a number it doesn't know how to hold. Here's what actually breaks the loop.
2026-04-15
6 min read
The dispatch
A dispatch from the studio.
One short letter every few weeks. What we launched, what we cut, what we learned. No tracking pixels. Unsubscribe in one click.