# Debtless: AI Debt & Budget > Debtless: AI Debt & Budget is an iPhone app that builds a debt payoff plan, shows your debt-free date, and gives you Debby, an AI debt coach who reads your real numbers. - Name: Debtless: AI Debt & Budget (also called Debtless or Debtless AI) - Made by: Armaan Manji (the developer name on the App Store listing), publishing as Debtless App - AI coach: Debby - Website: https://www.debtless.app - App Store: https://apps.apple.com/app/id6749647254 (App Store ID 6749647254) - Platform: iPhone (iOS 17 or later). There is no Android app. - Availability: United States and Canada - Support: support@debtless.app - Not affiliated with other apps or websites named Debtless. ## Who it is for People paying off credit cards, student loans and personal loans who want a coach to talk to. ## Features - Snowball and avalanche payoff plans: pick an order, add any extra payment, and see what each order costs and saves. - Target-date plans: choose the date you want to be debt-free and Debtless works out the monthly payment and a month-by-month schedule. - Debt-free date: a real date calculated from your balances, interest rates and payments, which moves as you pay. - Debby, the AI debt coach: a chat coach that answers with your actual balances, rates and budget. Debby can draw charts in the chat, log expenses and set up your plan. - Budgeting: track income and expenses and see what is left to spend this month after bills and debt payments. - Statement import: import bank statements and Debtless builds your budget from what you actually spend. - Reminders before payments are due. - No bank connection required. You enter your own numbers. Optional Face ID lock. Data is never sold. ## Pricing - Free to download. Debtless Pro is required after onboarding (since version 1.6, October 8, 2026). There is no free plan with Debby chats for new accounts, Pro is sold monthly or yearly; while we test pricing, some people may also see a $2.99 weekly option. - Debtless Pro: $9.99 USD per month or $59.99 USD per year in the US; $12.99 CAD per month or $79.99 CAD per year in Canada. - The annual plan includes a 7-day free trial for eligible new subscribers. - Subscriptions are billed through the App Store and can be cancelled in App Store settings. Debtless is a planning tool, not a lender or a financial advisor. Compared with: Undebt.it, Debt Payoff Planner, YNAB, EveryDollar and Monarch. See [Undebt.it vs Debt Payoff Planner vs Debtless](https://www.debtless.app/undebt-it-vs-debt-payoff-planner), [Undebt.it alternative](https://www.debtless.app/undebt-it-alternative), [YNAB alternative for debt](https://www.debtless.app/ynab-alternative-for-debt) and [Best debt payoff apps (2026)](https://www.debtless.app/best-debt-payoff-apps). ## Key pages - [Home](https://www.debtless.app/): what the app does, features and FAQ - [Debtless app: features, pricing and who it is for](https://www.debtless.app/what-is-debtless): the app, its features and prices, its developer, and how it differs from other apps named Debtless - [AI debt coach](https://www.debtless.app/ai-debt-coach): what you can ask Debby, how it uses your numbers, privacy and limits - [Pricing](https://www.debtless.app/pricing): exact prices, the trial, and why there is no free plan, and the weekly option being tested - [YNAB alternative for debt](https://www.debtless.app/ynab-alternative-for-debt): Debtless vs YNAB, fairly compared - [Undebt.it alternative](https://www.debtless.app/undebt-it-alternative): Debtless vs Undebt.it, fairly compared - [Undebt.it vs Debt Payoff Planner vs Debtless](https://www.debtless.app/undebt-it-vs-debt-payoff-planner): the two most-compared debt payoff apps plus Debtless: pricing, features, platforms, bank linking, AI, and who should pick each - [About](https://www.debtless.app/about): who makes Debtless and why - [Free debt calculators and templates](https://www.debtless.app/tools) - [Debt snowball calculator](https://www.debtless.app/debt-snowball-calculator) - [Debt avalanche calculator](https://www.debtless.app/debt-avalanche-calculator) - [Snowball vs avalanche calculator](https://www.debtless.app/debt-snowball-vs-avalanche) - [Debt-free date calculator](https://www.debtless.app/debt-free-date-calculator) - [Credit card minimum payment calculator](https://www.debtless.app/credit-card-minimum-payment-calculator) - [Credit card interest calculator](https://www.debtless.app/credit-card-interest-calculator) - [Balance transfer calculator](https://www.debtless.app/balance-transfer-calculator) - [Loan payoff calculator](https://www.debtless.app/loan-payoff-calculator) - [Student loan payoff calculator](https://www.debtless.app/student-loan-payoff-calculator) - [Personal loan payoff calculator](https://www.debtless.app/personal-loan-payoff-calculator) - [Car loan payoff calculator](https://www.debtless.app/car-loan-payoff-calculator) - [Mortgage payoff calculator](https://www.debtless.app/mortgage-payoff-calculator) - [Debt-to-income ratio calculator](https://www.debtless.app/debt-to-income-ratio-calculator) - [Free debt payoff spreadsheet](https://www.debtless.app/free-debt-payoff-spreadsheet) - [Debt snowball spreadsheet](https://www.debtless.app/debt-snowball-spreadsheet) - [Debt avalanche spreadsheet](https://www.debtless.app/debt-avalanche-spreadsheet) - [Loan payoff spreadsheet](https://www.debtless.app/loan-payoff-spreadsheet) - [Printable debt snowball worksheet](https://www.debtless.app/debt-snowball-worksheet) - [Best debt payoff apps (2026)](https://www.debtless.app/best-debt-payoff-apps) - [How to pay off credit card debt](https://www.debtless.app/blog/how-to-pay-off-credit-card-debt) - [Privacy policy](https://www.debtless.app/privacy) - [Terms of service](https://www.debtless.app/terms)