Debt-Free Date App

It wasn't you. It was the missing end date.

Paying debt with no finish line is exhausting. You send money every month, the balances barely move, and you've no idea if you're two years away or ten. So you stop looking.

Debt-Free Date gives you the finish line. One real month, worked out from your actual balances, rates and payments. Then every payment you log pulls that date closer, and you can watch it happen.

Show me my date for $7Set up in about 60 seconds

What you get

Built from our best-selling debt payoff spreadsheet, rebuilt for your phone.

Your exact debt-free month

Not "someday". A real date, plus how much interest is left to pay, recalculated in seconds whenever anything changes.

Snowball, avalanche or your own order

See them side by side, with the time and interest each one saves you, then pick the one that suits you.

Try an extra $100 before you commit

The What-If tool shows what a bonus, tax refund or small monthly top-up does to your date before you spend a cent.

Watch the days you've bought back

Every payment shows how many days of your life it just bought back. It's the bit people say keeps them going.

Weekly, fortnightly, twice-monthly or monthly pay cycles
Promo and 0% balance transfer tracking, so a rate jump never sneaks up on you
One-tap "log my usual" payment on the Today screen
Any currency, chosen in Settings
Backup and restore, plus a PDF of your payoff plan
Calm dark mode that's easy on the eyes at 11pm
Yours forever: one payment, no subscription, no ads, no account

Get the app for $7Instant access · One payment, no subscription

How it works

Buy for $7

One payment. Yours to keep.

Open it on your phone

Your link and access code are on the next page and in your inbox. Add it to your home screen and it opens like any other app.

Add your debts

Balance, rate and minimum for each one. Your debt-free date appears straight away.

MADE FOR YOU IF

You've got credit cards, loans or buy-now-pay-later and no clear end in sight
You want to know if snowball or avalanche actually saves you more
Spreadsheets and big budgeting apps have always felt like homework
You don't want to hand your bank login to an app

WHAT CHANGES

You know the month you'll be done, and it gets closer every payment
You stop guessing which debt to attack first
Extra money gets a job, because you can see what it does
Opening your debts feels calm instead of heavy

Private by design

Debt-Free Date runs on your phone. No bank connection, no cloud account, no one reading your balances. Your numbers stay with you, and you can back them up whenever you like.

Made by Ren and J at JRen Digital. Over 76,000 customers have bought from our store, and our debt payoff spreadsheet is one of our best sellers. Ren answers the support emails personally, so if you get stuck, you're talking to the people who built it.

ACTUALLY
USE IT14DAY

The "Actually Use It" Guarantee

Try it for 14 days. Add your debts, use it for at least a week, and if it's still not right for you, email us and we'll refund you in full. All we ask is that you show us you gave it a real go.

Questions

Is it on the App Store or Google Play?

No, and that's on purpose. It runs in your phone's browser, so there's nothing to download. Tap "Add to Home Screen" and it opens full screen like any other app, on iPhone and Android.

Is this a subscription?

No. One payment of $7 and it's yours. No renewals, no ads, no premium tier.

Do I need to connect my bank?

Never. You type in your balances, rates and payments yourself. Takes about a minute.

Where is my data kept?

On your phone. Nothing is sent to us or anyone else. Use the backup in Settings if you change phones.

Does it work in my currency?

Yes. Pick your currency in Settings and everything switches over.

When do I get it?

Straight away. Your link and access code are on the next page and in your inbox.

Your debt-free date is one minute away.

$7, one payment, backed by our 14-day "Actually Use It" guarantee.

iPhone + Android · Dark mode

$37 $7 USD, one payment

Full name Email address Payment

ONE-TIME ADD-ON · 30% OFF The Ultimate Debt Payoff Tracker spreadsheet in dark mode on a laptop and tablet

Yes! Add the Debt Payoff Planner spreadsheet for just $27 $19

The app lives on your phone. This is the big-screen version for your laptop, with every debt on one page you can print.

Same snowball and avalanche maths, in Google Sheets or Excel
Same dark-mode look as the app
This price only on this page

Debt-Free Date App	$7.00
Debt Payoff Planner	$19.00
Total (USD)	$7.00

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