Get debt-free faster.
Enter your debts and see the day you are debt-free. From there DebtAway shows where an extra payment saves the most, and three days before each instalment it reminds you with an amount and the date that amount buys you.
Get it on the App StoreGet it on Google Play
- Everything stays on the phone
- No account, no bank connection
- Two debts free, Pro once for $9.99
What gets you there sooner
Captures from the app, with Pro and with sample data. Without Pro the interest figures stay hidden and the app keeps two debts.
Every extra dollar where it saves the most
Extra payment
The app suggests the debt with the highest interest, because that is where each further month costs the most. Before you tear the sheet off, you read the new date and the days you are free sooner.
ProThe interest saved, in dollars
Try a higher payment before you agree to it
Higher payment
Enter how much more you could pay each month. The app shows how many months sooner you are free and draws the interest share of the new payments against the plan as it stands today. Nothing on the debt itself changes.
ProThe interest saved, in dollars
A reminder before the instalment goes out
Reminders
Three days before each instalment the app suggests an amount and names the date it buys you. Tapping the notification opens the extra payment already filled in. It is planned on the device and nothing is sent.
A stamp for every mark
Marks
A quarter, half, three quarters, the last thousand dollars, and at the end paid off. When a payment carries you past one of these marks, the app presses the stamp onto the result, and it stays on the debt’s sheet.
ProThe interest saved, in dollars
How much of each instalment is interest
Payoff schedule
Turn the sheet over and the payoff schedule shows the interest share of every instalment up to the last: the interest in the next one, in the final one, and everything you still pay until the end.
ProThe interest to the end, in dollars
Every debt on one pad
Debts
Car loan, credit card and Klarna sit as sheets on one pad, each with its balance, its payment and its own date. The home screen adds them up to the day the last one ends.
ProAny number of debts, two are free
DebtAway Pro
Buy it once and keep it, with no subscription and no account.
One-time$9.99
- Unlimited debtsThe free app keeps two debts, Pro as many as you have.
- Interest saved in dollarsNext to the days won, what a payment saves in interest.
- Full payoff scheduleIncluding the interest still ahead until the last instalment.
- Backup as a fileExport everything and read it back on a new phone.
- Home screen widgetThe date and the balance on your home screen, without opening the app.
Without Pro you keep two debts with the countdown, extra payments, the higher-payment preview, the interest band, reminders and marks.
For your kind of debt
Each kind of debt works differently. The matching piece explains the mechanics, and the app gives the date for your own figures.
- Klarna and instalment plansMany small plans, each with its own end. Together they get one date.
- Credit cardRevolving credit on the minimum payment never ends on its own. How it gets an end date.
- OverdraftThe most expensive everyday credit. A fixed monthly payment gives it a date.
- Car loanA balloon payment leaves more open than the instalments suggest. What early payoff costs.
- Student loansOne bill, several loans at different rates. Where an extra payment lands.
- Several debtsWhich one to clear first, and when the last one is done.
- Debt counsellingWhen the payments together are more than what is left each month. Where free help exists.
Common questions
- What does DebtAway cost?
- Two debts are free, with the countdown, extra payments, reminders and marks. Pro costs $9.99 once and opens any number of debts, the interest saved in dollars, the full payoff schedule, a backup as a file and the home screen widget. There is no subscription.
- When does the app remind me?
- Three days before each instalment, at the time you set, with an amount and the date it buys you. On the first of the month it tells you how many sheets are left on the pad, and the day before the end that the pad is empty tomorrow. It never sends more than one notification a day, and everything is planned on the device, with no server.
- Does the app need an account or a bank connection?
- No, neither exists. You type the balance, the rate and the payment in by hand, and the figures stay on the phone. With no registration and no bank access there is nobody reading along, including me.
- How does the app arrive at the date?
- It works the repayment month by month: the payment first covers the interest on the balance, the rest reduces the debt, and that repeats until zero.
- Does it work for an interest-free instalment plan?
- Yes. Enter zero as the rate, and the whole payment goes to the balance, so the date follows from the balance and the payment. Interest-free instalments are the normal case at Klarna and PayPal.
- What happens if my payment does not cover the interest?
- Then the app says there is no date instead of inventing one. On a credit card paying the minimum, that is the usual case. A few dollars more a month change it, and the app shows by how much straight away.
- Is there advertising?
- No, and there will not be. An ad network would be a third party watching someone read their own balance. The app is funded by the one-time Pro purchase.
- Which languages does the app speak?
- 78 languages. The app follows the language set for your phone, or the one you choose for DebtAway alone in Settings. Amounts, dates and digits follow your region.
- Can I take my data with me?
- With Pro you export everything as a file and read it back on another device. There is no cloud sync, because there is no server for anything to sit on.
Status
DebtAway is on the App Store and Google Play. Two debts free, Pro once for $9.99.