DebtFreeOS

Your debt, finally on a timeline. DebtFreeOS is one private app that tracks every debt you carry - credit cards, student loans, medical bills, personal loans, auto, mortgage - with balance, APR, minimum payment, due day, and creditor. Real amortization math runs every month: interest = balance x APR/12, minimum payments hit first, and any extra payment rolls onto your focus debt. When a debt is paid off its minimum rolls to the next priority debt, exactly the classic snowball or avalanche behavior. A side-by-side calculator shows you payoff months and total interest for both methods so you can pick with your eyes open. The month-by-month timeline draws each debt as a shrinking bar with a payoff date, plus a total-balance curve that trends down against a dashed "minimums only" path so you can see, in one number, how much interest your plan saves. Runs entirely in your browser - no bank link, no login, no cloud.

WHAT'S INCLUDED

• Dashboard - total debt now, paid off so far, months remaining at current payoff rate, upcoming payments, interest paid this month, on-time payment streak
• Debts - list every debt: name, type (credit card, student loan, medical, personal, auto, mortgage), balance, APR, minimum, due day, creditor, notes. Add, edit, delete, mark paid off
• Strategy - snowball (smallest balance first) vs avalanche (highest APR first) side by side. Payoff months and total interest per method, minimums-only comparison, interest-saved number
• Payment Plan - monthly budget distribution per debt: minimums first, extra to your focus debt. Auto-recalc when a debt is paid off - its minimum rolls onto the next priority debt
• Timeline - bar chart per debt shrinking to zero. Payoff date per debt, final debt-free date. Total-balance trend curve vs dashed minimums-only path, interest saved highlighted
• Payment Log - every payment recorded with date, debt, amount, interest portion, principal portion. Running totals for paid, interest, and principal
• Settings - profile, monthly budget, active strategy, export and import JSON, load demo data, clear all

100% PRIVATE AND OFFLINE

All data stays on your device. No server, no cloud, no account. Works completely offline.

WORKS ON ALL DEVICES

Open on laptop, add to home screen on iPhone (Safari) or Android (Chrome) as an app. One file, all devices.

INSTANT DOWNLOAD

Download once, use forever. No subscription, no renewal, no expiry.

PERFECT FOR

• People with $5k to $80k consumer debt on a real payoff plan
• Snowball method users who want fast-win motivation
• Avalanche method users chasing the lowest total interest
• Anyone juggling multiple credit cards, student loans, and medical bills
• Private debt trackers who will not link a bank or pay a subscription

Questions? Message us on Etsy - we reply within 24 hours.