Debtless
Privacy & habits
How to Record a Debt Milestone Without a Spending Spree
Define a milestone from verified progress and decide in advance how you want to acknowledge it. Build a clear manual plan with the free Debtless iPhone app.
Money decisions, made clearer.
The Debtless Journal
Debtless is a 100% free debt payoff app for iPhone. Practical ways to get out of debt, one decision at a time. Clear examples, useful routines and a free app to put your plan into practice. The Debtless Journal is a free debt blog of practical articles on payoff methods, credit card interest, loans, collections, budgeting and privacy, written for anyone deciding how to pay down what they owe. It turns reading like this into a plan, drawing on 442 articles in this library.
The Debtless Journal articles
442 articles
Getting started
Plan debt payments with a partner without double counting
Coordinate debt payments with a partner by assigning transactions clearly and preventing both people from counting the same household surplus.
Payoff methods
Why an extra payment may not all reduce principal
Reconcile an extra debt payment with interest, fees, and creditor application rules instead of assuming every dollar sent reduces principal.
Free debt apps
Prepare debt app records for a device change
Prepare local debt records for a device change, retain source statements, and verify account details before relying on a reconstructed plan.
Budget & cash flow
Budget for a move before sending your biggest debt payment
Learn to reserve moving costs before sending an extra debt payment, with a worked example, practical checks, and free debt app guidance.
Credit card debt
What to do when a card balance looks wrong in your tracker
Learn to find missing or duplicate activity in a debt tracker, with a worked example, practical checks, and free debt app guidance.
Loans & bills
How to Reconcile a Loan Balance After a Refund
Confirm where a refund was sent and how it affected the loan before reducing your tracked balance. Build a clear manual plan with the free Debtless iPhone app.
Life & debt
How to Start a Debt Plan With Your First Full-Time Paycheck
Use your actual take-home pay and schedule to build a bill calendar before an extra debt payment. Build a clear manual plan with the free Debtless iPhone app.
Privacy & habits
How to Tell a Free Debt Tracker From a Debt-Relief Offer
Identify what the service actually does before giving information or money. Build a clear manual plan with the free Debtless iPhone app.
Getting started
Use a no-new-borrowing check in your debt plan
Check whether new borrowing is offsetting debt payments, record the reason for fresh charges, and revise the plan using the actual balance.
Payoff methods
Choose a payoff method when motivation changes
Review a debt payoff method when motivation changes, identify the actual obstacle, and compare an alternative without losing verified progress.
Free debt apps
Use a free debt app without turning it into another expense
Evaluate a free debt app by the clarity and accuracy it adds to your routine, without confusing a zero app price with zero costs on your debt.
Budget & cash flow
Plan for seasonal utility bills without losing debt momentum
Learn to budget seasonal utilities alongside debt repayment, with a worked example, practical checks, and free debt app guidance.
Credit card debt
Handle a card refund without overstating debt progress
Learn to record card refunds without overstating cash payments, with a worked example, practical checks, and free debt app guidance.
Loans & bills
How to Record Loan Payments Made on Different Dates
Use the date and amount shown in the lender's posted history when updating your confirmed loan record, while separately keeping the date you initiated the.
Life & debt
How to Keep a Debt Plan Flexible During Freelance Gaps
Base required spending on cash available and realistically timed income, while keeping unpaid invoices outside the money you can spend today.
Privacy & habits
How to Check an Unfamiliar Bill Before Adding It as Debt
Verify an unfamiliar bill through trusted information before paying it or adding it as a confirmed debt. Build a clear manual plan with the free Debtless app.
Getting started
Set aside a small surprise-expense reserve during payoff
Consider a practical cash reserve during debt payoff, compare the tradeoffs, and decide how to rebuild it after a necessary surprise expense.
Budget & cash flow
Paying off debt when childcare costs change week to week
Learn to fit debt payments around changing childcare schedules, with a worked example, practical checks, and free debt app guidance.
Credit card debt
Plan around a card annual fee while repaying a balance
Learn to plan for an annual card fee while repaying the balance, with a worked example, practical checks, and free debt app guidance.
Give your plan a place to live.
Track balances and compare payoff methods in Debtless. Free, with no account or bank connection.
