Last updated: April 13, 2026
DebtFree is a personal finance tracking tool designed to help individuals manage their own debts and budgets. Please read the following carefully.
All calculations, projections, and suggestions in the app (including payoff strategies, monthly surplus computations, and early-payoff simulations) are for informational purposes only. DebtFree is not a licensed financial advisor, lawyer, or accountant, and none of the content shown here constitutes professional financial, legal, or tax advice.
Displayed balances, interest rates, and payment schedules are based solely on what you enter. Never base a real payment decision on numbers you haven't verified against your actual contract, bank statement, or official records. You are responsible for the accuracy of the data you provide.
DebtFree is an AI-supported tool — the decision-maker is always you. The AI Coach uses a large language model to produce personalized insights that are meant as helpful input, not binding advice. These suggestions may be incomplete or wrong, and may not fit your personal circumstances. Please consult a qualified financial professional before acting on any critical debt decision (refinancing, consolidation, early payoff).
DebtFree is provided "as is". Neither DebtFree nor its developers are liable for any financial loss, data loss, or indirect damages arising from your use of the app.
The app relies on third-party services such as Supabase (database and authentication) and Anthropic Claude (AI Coach). Their respective terms and privacy policies apply to the data you submit while using those features.