Debtless
AI debt coach that builds your payoff plan and budget
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Debtless - AI debt coach that builds your payoff plan and budget

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Add your debts, pick snowball or avalanche, and see your debt-free date with a budget that funds it. Debby, the built-in AI debt coach, answers questions like "can I afford this?" or "what if I pay $50 more a month?" from your real numbers, and can draw the chart right in the chat. Import a statement to fill in your debts. No bank linking required. iPhone, US and Canada. $9.99/month or $59.99/year, with a 7-day free trial on the annual plan.

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Hi Product Hunt, I'm Armaan, solo founder of Debtless: AI Debt & Budget. Every debt app I tried did the maths but couldn't answer the questions I actually had: "can I afford this?", "what if I move $50 from groceries?" Debtless builds a snowball or avalanche plan with a debt-free date and a budget around it. Then Debby, the AI debt coach, answers those questions from your own numbers. The plan maths is plain arithmetic; the AI explains it. To be upfront: it's iPhone-only, US and Canada, and paid ($9.99/mo or $59.99/yr, 7-day trial on annual). If you want free, Undebt.it and Debt Payoff Planner are genuinely good. Debby is a coach, not a licensed advisor. Blunt feedback welcome, especially on onboarding and Debby's answers.