Last updated: November 9, 2026
Not financial advice: DebtFree AI is an educational planning tool. Output figures (payoff dates, interest estimates, savings) are mathematical projections, not guarantees. For decisions about your specific situation, consult a qualified financial professional or a nonprofit credit counselor (e.g., an NFCC member agency).
DebtFree AI provides a web application ("the App") that helps you organize debts, project payoff timelines using the snowball, avalanche, or hybrid methods, and track progress. The App runs in your browser and may be installed as a Progressive Web App on iPhone, Android, and desktop.
Pro is delivered via a license key or an in-app checkout link. Monthly plans renew monthly and yearly plans renew yearly until cancelled. Prices may change with 30 days' notice; your active term keeps its price until renewal after the change.
Purchase and payment processing are handled by the payment provider shown at checkout (e.g., Stripe) — your card details never touch the App. You may cancel any time; access continues to the end of the paid term. If you are unsatisfied, contact the seller/channel where you purchased within 14 days of payment for a full refund.
The App models credit-card interest as daily compounding (APR ÷ 365) and installment loans as monthly amortization. Real issuers use varying methods (average daily balance, billing cycles, fees, promotional rates). Your actual statements may differ. Nothing in the App creates a lender, debt-settlement, or credit-repair relationship.
Don't misuse the App: no attempting to break licensing, no redistributing license keys, no feeding unlawful content into any feature. License keys are personal to you and may be re-activated on devices you own.
The App is provided "as is" without warranties of any kind. We work hard on accuracy and uptime but don't guarantee the App will be uninterrupted, error-free, or fit your particular purpose. Your debt data lives on your device — you are responsible for backups.
To the maximum extent permitted by law, our total liability for any claim related to the App is limited to the amount you paid us in the 12 months before the claim (or $10 if you use the free plan).
We may update these terms; continued use after an update means acceptance. You may stop using the App at any time and delete all local data via Settings → Reset or by clearing browser storage.