How to set up DebtFree, keep it current in a minute a month, turn on reminders, and use the planning tools. Everything here works on the free tier unless it says Premium.
Same app everywhere, no account. Your numbers are saved on the device you use, so pick the one you'll check each month.
Install DebtFree: Debt Payoff Tracker from Google Play.
Open mydebtdashboard.com/app/dashboard.html in Safari, tap Share, then Add to Home Screen. Open it from the new icon from then on: phone notifications and app lock only work in the Home Screen app.
Open the same address in Chrome, Edge or Safari. Chrome and Edge offer an Install button in the address bar.
Have your latest statements handy. You can add every debt in one go, and add more at any time.
On a phone, the + sits in the middle of the bottom bar. On a computer, the Add a Debt card is on the Home tab.
That's all the plan needs. Enter APR as a number (22.99, not 0.2299). The name is optional, and a minimum left blank is estimated and marked (est.) until you change it.
Open More details for type, lender, due day (and a second day if you pay twice a month), credit limit and 0% promo. Typing a name like "Car loan" or picking a lender sets the type for you. The due day is what powers This Month, the calendar and reminders.
Saves this one and clears the form for the next. A note at the top shows how many you've added and your debt-free date so far.
With one debt left to save, you'll see a preview first. With an empty form, it takes you straight to your plan.
Slide to set how much goes to debt each month and watch the debt-free date move, add due days if you like, then save, or save and turn on reminders in the same tap. You can change the amount later under Strategy › Your Monthly Plan.
| Field | Where to find it |
|---|---|
| Balance | Statement balance, or "current balance" in your online account |
| APR | Statement (often in the "Interest charge calculation" box) or online account |
| Min payment | "Minimum payment due" on the statement |
| Due day | "Payment due date" on the statement |
| Promo end date and rate after | Balance transfer confirmation, statement or card agreement |
Home answers two questions: where you stand, and what's left to pay this month.
Everything you owe, the share already paid down, and a split by account.
This month's interest, the month your last debt reaches $0 on your plan, and the interest your plan avoids compared with minimums only.
Every payment your plan has for this month. The ring fills as you log them. Switch between List and Calendar at the top of the card.
Shows up only when it applies: a 0% promo ending within 60 days, a planned payment smaller than this month's interest, or a card at 90% of its limit.
Logging keeps balances, the ring and your debt-free date accurate. Three ways, fastest first.
Tap Paid as planned in This Month, or + then Paid as planned. Untick anything you didn't pay or change an amount, then log them all at once. One Undo reverses it.
In This Month, swipe a payment right to log the planned amount, or tap Log. Swipe left (or tap ⋯) for Later: schedule it for another date or skip it this month.
Tap + then Log a payment. Pick the debt, the amount you actually paid (minimum plus any extra) and the date. A future date is saved as pending and counts on that day.
When a statement arrives, open the payment's ⋯ menu and enter the statement balance and date. The app records the difference (interest, fees) on that date, so the balance matches your lender's without a bank login.
Every payment is in the Payment Log on Home. Edit or delete any entry, even an old one, and balances are recalculated from the start.
Free. Open them from Get payment reminders at the bottom of the This Month card. Your debts need a due day first.
Choose before each payment (1, 3 or 7 days ahead, on the day, plus a check-in on the 1st), every Monday or on the 1st of the month, then tap Turn on notifications and allow them when your phone asks. They arrive around 9 AM your time.
Adds a repeating event for each due date to your phone's calendar, which does the reminding. On Android you get one Google Calendar link per date; on iPhone each opens in the Calendar app.
The Strategy tab sets the order your extra money goes to. Each card shows that order's debt-free month and total interest on your own numbers.
Tests every payoff order and uses the one with the lowest total interest, including what happens when 0% promos end.
Highest APR first. A 0% promo card is ranked by the rate it will switch to.
Smallest balance first, so accounts close sooner.
Drag debts into any order you like.
A sandbox. Nothing you try here changes your real plan.
Slide to see time saved, interest saved and the new Freedom Date, measured against your current plan.
Model a one-time payment such as a tax refund or bonus, on top of any lump sums you've already planned.
Paying off debt takes a while. Wins keeps the progress visible.
Unlock automatically from your logged payments and balances. Up Next shows the closest ones and how far away they are.
The first time you open the app in a new month, you'll see last month: paid toward debt, how much less you owe, debts paid off, badges, and whether the debt-free date moved. From mid-December there's a year in review. Both are on the Wins tab, each with a card to share (no dollar amounts on the card).
Every debt you clear stays here with what it took. A shareable card appears when it happens; share it or tap Done.
Your debts are stored on your device, not on our servers. That makes backups your job, and the tools below make it quick. All of them are in Settings (the gear, top right).
Set a PIN, and optionally Face ID or fingerprint. Choose whether it locks right away or after 1 or 5 minutes away. It's a screen lock, not encryption. Forgot the PIN? The lock can be removed after a 60-second wait, so you're never locked out of your own data.
Saves a copy to your own Google Drive. Use it to move to a new phone or recover after clearing your browser.
Export downloads one file with all debts, payments and settings. Import restores it on any device.
Updates arrive on their own. If you want the newest version right away, tap this; your data is kept.
On iPhone, open the app from the Home Screen icon, not Safari. Check the phone's settings allow notifications for DebtFree (or Chrome on Android), and that your debts have due days.
Each browser and the Home Screen app keep separate data. Open the one you used before, or restore from Google Drive or an exported backup.
Use statement check-in on that debt. Interest and fees between payments are why balances drift.
The fee is fixed when you add the debt. If an older transfer shows the wrong %, open Edit and type the right rate once: the label is corrected and the dollars you were charged stay the same.
It has a future date. It counts on that date automatically.
Website: enter your license key in Settings. Play app: Premium is restored from your Google Play account.