DebtFreeMe shows every debt, one plan, and your debt-free date, with reminders and milestones that keep you going. No bank linking required. This page covers what the app does, what it never does, and who is behind it.
What DebtFreeMe is
DebtFreeMe is a debt payoff planning and motivation tool. You add each debt with its balance, APR, and minimum payment, then pick a strategy. The app orders your debts and shows an estimated debt-free date.
You record payments yourself, and the date moves as you go. Reminders keep the streak alive. Milestones mark progress along the way, like “Halfway There”.
What it is not
DebtFreeMe is not a bank, a lender, a payment processor, a debt settlement service, or a credit counselor. It never moves money. Payoff projections are estimates based on the numbers you enter, not guarantees of savings or payoff dates. Reminders are notifications only and never trigger a payment.
How it works
Add your debts. Takes about 30 seconds. Only the balance, APR, and minimum payment, typed in by you. The app never pulls anything from a bank.
Pick a strategy. You get a plan with an estimated debt-free date.
Record payments. Watch the date move, and keep the streak going with reminders and milestones.
The three strategies
Pay Off Debt Fastest clears the smallest debts first, for momentum.
Saves the Most on Interest attacks the highest APR first.
Best of Both Worlds targets the debts costing you the most each month. It is the one recommended for most people.
Our privacy stance
No bank logins, no account linking, no transaction feeds. DebtFreeMe never connects to financial institutions. There are no third-party ad networks, no tracking across other apps or websites, and your data is never sold.
You sign in with an email address and password, with Google, or with Apple. Two-factor authentication and biometric lock are available, and biometric lock stays on the device.
Everything you enter can be deleted at any time, in the app or at the web deletion page. The Privacy Policy has the full details.
What it costs
The free plan has everything you need to get started. A Pro plan is not for sale yet. When it ships, we will say so in the app.
Who runs it
DebtFreeMe is built and operated by DEBTFREEME LLC, a limited liability company registered in the State of Texas, United States.
DEBTFREEME LLC
9421 Surveyor Rd
Oak Point, TX 75068
United States
Questions go to support@debtfree-me.com, and a reply comes within two business days. The Support page covers common questions.