Debt Freedom

Become debt-free, one calm step at a time. Freshly redesigned for iPhone and iPad with smarter Outgoings and Accountability Partners.

A calm, three-step plan to clear your debts and build the kind of safety net that lets you sleep at night.

For people who feel overwhelmed by debt and want a clear, kind path forward - without spreadsheets, judgement, or jargon.

The three steps

Step 1 - Starter Fund Save one month of your essential outgoings before tackling debt. The app calculates your target from the bills you mark as essential, shows you exactly where to keep it, and visualises the interest your money earns while it protects you.

Step 2 - Clear Your Debts List everything you owe — credit cards, loans, store cards, finance — all in one calm view. Watch the totals shrink as you mark each one cleared. Every cleared debt is a milestone.

Step 3 - Full Emergency Fund With your debts gone, build a 3-, 6- or 9-month fund sized to your income stability. See the passive income your safety net could generate, year after year.

Designed to support you

Outgoings, simplified. Track weekly through yearly bills in one place. Mark which are essential. For multi-month bills, the app tells you exactly which months they fall in — "March, June, September & December" — so nothing catches you out.

Accountability Partners. Sharing a goal with someone you trust dramatically improves your chances of reaching it. Invite a partner, friend, parent or mentor to follow along. They see percentages and a debt count — never amounts, balances, or personal details. Quiet, private, encouraging.

Statement of Intent. Make a small but powerful written commitment to yourself, then keep it visible whenever you need a nudge.

Home Screen widget keeps your progress front of mind. Siri Shortcuts let you log a payment in a sentence.

Beautifully native

Built natively for iPhone and iPad, with adaptive layouts that make the most of every screen. Respects your system appearance (light, dark, or automatic). Full Dynamic Type and VoiceOver support.

Private by design

Your finances stay on your device and your private iCloud account. We never see your data — and we never need to. iCloud keeps everything in step across your Apple devices.

One subscription, the whole family

A single subscription covers your whole household through Apple Family Sharing — make progress together.

Subscription • Annual subscription. • Auto-renews unless cancelled at least 24 hours before the end of the current period. • Payment is charged to your Apple ID on confirmation of purchase. • Manage in your Apple ID Account Settings.

Terms of Use (EULA) We use the Apple standard terms of use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Debt Freedom Toolkit helps you plan and track your own journey. It is not financial advice — please speak to a qualified advisor for major decisions.