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.

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.

Debtless

AI debt coach that builds your payoff plan and budget

AI debt coach that builds your payoff plan and budget