What exactly does DebtFree Coach do?
Three things. First, it's a debt payoff calculator that runs your real numbers — every balance, APR, and minimum — and gives you an exact payoff order with your debt-free date, month by month. Second, a 24/7 coach chat that answers questions using your numbers. Third, an investing academy that teaches the basics for when you're debt-free. One subscription, $9.99/month after a 7-day free trial.
How does it calculate my debt-free date?
You enter each debt's balance, APR, and minimum payment, plus what extra you can pay monthly. The payoff engine then simulates two proven strategies — avalanche (highest APR first, least interest) and snowball (smallest balance first, fastest wins) — and shows you the exact month you'd be debt-free under each, plus total interest. Move the what-if slider to see how extra payments change the date in real time.
Debt snowball vs. avalanche — which should I pick?
Avalanche costs less in interest because it kills the highest-APR debt first. Snowball frees up cash flow faster because it kills the smallest balance first, which keeps some people motivated. The app shows you both side by side on your numbers so you can see the actual dollar difference — then you choose.
What kinds of debt can I track?
Anything with a balance and an interest rate: credit cards, personal loans, auto loans, student loans, medical debt. Add as many as you have.
Is this financial advice?
No. DebtFree Coach is financial education. It does the math and teaches the concepts — it never tells you what to buy, and it names no stocks, funds, or tickers. For personalized advice, talk to a licensed fiduciary. Investing involves risk, including loss of principal.
How does the 7-day free trial work?
Sign up, add your card, and get full access for 7 days. The first $9.99 charge happens on day 7. Cancel anytime during the trial and you pay $0 — your card is never charged.
Why do you need my card for a free trial?
So your plan, debts, and progress are saved and waiting when the trial ends — no re-entering everything. Cancel before day 7 and the card is never charged.
What happens after the 7 days?
$9.99/month until you cancel. Cancel anytime from your account in two taps — no phone calls, no retention maze. You keep access until the end of the billing period.
Do I have to connect my bank account?
No. You enter your balances and APRs manually — it takes about 3 minutes. Nothing is pulled automatically, and there are no bank logins to manage.
Can I try it before signing up?
Yes — hit "Try the demo" on this page. Demo mode runs with sample numbers and stores nothing.
Is my data safe?
Your numbers are stored securely with your account and never sold. Demo mode stores nothing at all.
Who is this not for?
If you're facing lawsuits, wage garnishment, or need negotiated settlements, you need a licensed attorney or nonprofit credit counselor first — an app can't do that work. And if you want someone to pick investments for you, that's a fiduciary, not us.