DebtClear
DebtClear is a free Android app that creates a personal debt payoff plan from debts and a monthly budget entered by the user.
What DebtClear is
DebtClear is a free Android app that creates a personal debt payoff plan from debts and a monthly budget entered by the user. It compares Debt Snowball, Debt Avalanche, and Stair-Stepper strategies side by side, showing payoff dates, estimated total interest, and a month-by-month schedule for each debt. The listed debt types include credit cards, personal loans, car loans, student loans, medical debt, and other installment debt. The app works offline, requires no login, and keeps debt details on the device. Optional payment reminders use local notifications. The privacy policy says debt details are not sent to the cloud or shared with the developer or third parties, though Android auto-backup may include locally stored information in a Google account backup depending on device settings. Firebase Analytics, Firebase Crashlytics, and Google AdMob may collect technical, usage, crash, or advertising data. DebtClear has no subscription or premium tier. Its payoff dates and interest figures are mathematical estimates, not financial, legal, or tax advice.
Good
- Compares three payoff strategies side by side.
- Shows monthly schedules and estimated total interest.
- Works offline and requires no login.
- No subscription or premium tier.
Watch out
- Available on Android; iOS is still in development.
- Android auto-backup may include local data.
- Listed services may collect technical or advertising data.
Who it suits
It suits Android users who want to compare payoff strategies using their own debt and budget details. People who prefer offline use and local storage may also find its design relevant, while keeping the stated backup caveat in mind.
Verdict
DebtClear offers a straightforward way to compare payoff schedules using entered debts and a monthly budget. Its figures are estimates rather than advice, and Android backup settings may affect where locally stored data is copied.
Plans and prices
From DebtClear's own pricing page, checked 3 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| DebtClear | Free | Free; no subscription; no premium tier |
The facts
Each one read from DebtClear's own pages, with the date it was checked.
What it does
- Debt types
- The listing names credit cards, personal loans, car loans, student loans, medical debt, and other installment debt as supported types.checked 3 Oct 2026
- Developer
- Google Play lists Rooftop Online LLC as the developer and gives its address as Dover, Delaware, United States.checked 3 Oct 2026
- Financial disclaimer
- The maker says payoff dates and interest figures are mathematical estimates and the app is not financial, legal, or tax advice.checked 3 Oct 2026
- Local backup caveat
- The privacy policy says Android auto-backup may include locally stored data in a Google account backup depending on device settings.checked 3 Oct 2026
- Not a financial service
- DebtClear says it is not a bank, lender, credit counselor, debt settlement service, or financial advisor and does not offer loans or debt relief.checked 3 Oct 2026
- Offline operation
- The listing says the app works offline, has no login, and stores debt information on the device.checked 3 Oct 2026
- Payoff methods
- It compares Debt Snowball, Debt Avalanche, and Stair-Stepper strategies side by side.checked 3 Oct 2026
- Privacy policy
- The privacy policy says debt details are stored locally and are not transmitted, uploaded to the cloud, or shared with the developer or third parties.checked 3 Oct 2026
- Purpose
- DebtClear creates a personal debt payoff plan from debts and a monthly budget entered by the user.checked 3 Oct 2026
- Reminders
- The maker’s site says optional payment reminders use local notifications on the device.checked 3 Oct 2026
- Schedule
- The plan shows payoff dates, total interest, and a month-by-month schedule for each debt.checked 3 Oct 2026
- Support
- The Google Play listing provides support email [email protected].checked 3 Oct 2026
- Third-party services
- The privacy policy identifies Firebase Analytics, Firebase Crashlytics, and Google AdMob as services that may collect technical, usage, crash, or advertising data.checked 3 Oct 2026
The company
- Headquarters
- Dover, Delaware, United Stateschecked 28 Sep 2026
Where it runs
- iOS availability
- The maker’s site says the iOS version is coming soon and in development.checked 3 Oct 2026
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