Debt Free –Pay Off Debt Faster

What-If Simulator — windfall fix Adding a one-time windfall (a bonus, tax refund, or extra payment) to a What-If scenario now correctly updates your payoff date and total interest. Previously the windfall was ignored, so the scenario looked the same as your current plan. You'll now see the real impact of putting a lump sum toward your debt — applied to the debt you choose, or automatically to whichever debt your strategy targets first. Easier multi-device recovery Reinstalled the app or set up a new device? DebtFree now automatically restores your household plan from iCloud, and if it needs a hand there's a new "Restore Previous Household" option so you can pick up right where you left off. Clearer syncing across devices Added a helpful reminder when deleting a debt: if you use DebtFree on more than one device, make the change on one and give it a moment to sync before opening the app elsewhere — so your changes stick everywhere. Plus general bug fixes and reliability improvements. Thanks for using DebtFree — we're rooting for you on your debt-free journey.

Share your entire debt-free plan with your household. NEW: Household Mode (Premium) • Flip a switch and share every debt, saving goal, and recurring bill with your partner or family — up to 10 members per household • One shared dashboard: same balances, same payoff date, same progress on every device • Either side can record a payment, edit a debt, or mark a bill paid — the other device updates automatically • Payoff strategy (Snowball / Avalanche / Custom) and your extra monthly payment stay in sync too • Each shared edit shows "Edited by [partner's name]" so you always know who touched what • Owner-only deletions protect against accidents — members can edit but not destroy • Leave any time with your data: "Take a Copy" keeps everything on your device as personal data again • Set a custom display name so attribution reads "Edited by Sam" instead of an Apple ID • Detailed in-app help — tap the ? button at the top of Household Mode for the full reference • Syncs over iCloud (no servers, no accounts to create) — typically 30 seconds, occasionally a few minutes when iCloud is slow Improvements • Debt-Free Date now displays as "Sep 15, 2028" everywhere — abbreviated month fits comfortably on every device width • "Active Debts" and "Accounts" counts on the Debts list now match what's visible in the unified list • Cleaner sync error messages — when something goes wrong joining a household (iCloud paused, network down, invite expired) you get a plain-language explanation with the next step Fixes • Resolved a sync edge case where a recorded payment could over-deduct the balance by the interest portion on the partner's device • Improved cold-launch behavior so the initial household sync banner appears while data is being pulled • Enhancements and minor bug fixes to Household mode

What's New: A major new planning tool, redesigned screens, and delightful celebrations along the way. NEW: Target Date Planner • Tell Debt Free WHEN you want to be debt-free — your wedding, a sabbatical, your 40th birthday — and the planner instantly solves for how much extra you need to add each month to get there • See exactly what your plan needs, then apply it to your strategy with a single tap • The right answer to "how do I retire this debt by then?" is now built in Dashboard • Redesigned Debt-Free Goal card with animated progress ring and confetti at every milestone • New milestone tracker celebrates 25%, 50%, 75%, and 100% wins automatically Payoff Plan • Brand-new Freedom Day hero with checkered-flag icon and unambiguous full dates • "Your Journey to Freedom" timeline reimagined with category-colored milestones and gradient connectors • Payment Order cards redesigned with never-wrap APRs, monospaced amounts, and a "Next focus" badge Debts List • Currency amounts always render on one line — no more wrapped trailing zeros • Neutral card surfaces; category color now lives only inside the icon badge • Paid-off debts now live on their own dedicated "Paid Off Debts" screen — tap into it from the list to see your wins, while your active debts stay front and center • Red is reserved for overdue states only Settings • "Debt Snowball Amount" renamed to Extra Monthly Payment everywhere — clearer for any strategy • "Lowest Balance First" removed from the picker (it was identical to Snowball — existing users auto-migrated) • Refreshed hero card, unified strategy picker, simpler iCloud sync status with live "last synced" timestamp Love Debt Free? Please leave us a review! Your rating is the single biggest way to help others on their debt-free journey find this app. It only takes a moment in the App Store — tap the stars and let us know what you think. Thank you for being part of the journey!

What's New: IOU Tracker — Keep track of who owes what • Track informal loans with friends and family — who owes you and what you owe • Link contacts and reach out directly via call, text, or email with pre-written reminders • Create custom categories with icons and colors to organize your IOUs • Insights dashboard with balance breakdown chart, category analysis, and activity timeline • Filter by active, settled, direction, and mark IOUs as settled when paid back • 3 free IOUs, unlimited with Premium Smarter Notifications • Personalized monthly digest with your payment progress and next steps • Gentle re-engagement nudges if you haven't checked in recently • iCloud sync health alerts to keep your data in sync Dashboard Improvements • See up to 3 upcoming payments at a glance (previously only 1) • Refreshed progress ring animation with glow effect Apple Watch Enhancements • New watch face complications — see your debt progress right on your watch face • Debt Progress complication: circular gauge, inline text, and corner styles showing payoff percentage • Debt Countdown complication: rectangular view with days until debt-free and remaining balance • Upcoming payments view now shows up to 3 next payments with urgency badges and haptic alerts • Sync status indicator on the summary screen shows when data was last refreshed Bug Fixes & Polish • Improved iCloud sync reliability • Various stability improvements