Debtless pricing: what Pro costs, plainly.
Debtless app pricing, plainly: Debtless: AI Debt & Budget is free to download, and the app needs a Debtless Pro subscription after onboarding. Here is exactly what it costs in the US and Canada, how the trial works, and which features Pro includes. For the full app overview, see what Debtless is and who it's for.
The plans.
| Plan | United States | Canada | Notes |
|---|---|---|---|
| Pro, yearly | $59.99 USD / year | $79.99 CAD / year | 7-day free trial for eligible new subscribers. Works out to about $5 USD a month. |
| Pro, monthly | $9.99 USD / month | $12.99 CAD / month | No trial. Cancel any month. |
Prices as shown on the App Store on 9 October 2026. Apple may show local taxes on top. Prices can change; the App Store always shows the current price before you confirm.
What Pro includes.
- Debby, the AI debt coach. Chat about your own balances, rates and budget. See the AI debt coach page.
- Payoff plans. Snowball (smallest balance first) or avalanche (highest rate first), with the extra payment you choose.
- Your debt-free date. Calculated from your numbers, updated as you pay. Or pick a date and see the monthly payment it needs.
- Budgeting. Income, bills and spending, and what is left to spend this month.
- Statement import. Import a bank statement and Debtless builds your budget from what you actually spend.
- Reminders before payments are due, and an optional Face ID lock.
No bank login is required. Your data is never sold.
Is there a free plan?
No. Earlier versions of Debtless had a free tier with a few Debby messages a day. Since version 1.6, released October 8, 2026, new accounts go from onboarding to the subscription screen, and the app is used with Debtless Pro. If you read elsewhere that Debtless has "a free plan with limited Debby chats", that describes the old setup.
What is free: downloading the app, going through onboarding to see your plan take shape, the 7-day trial on the yearly plan, and every calculator and template on this website, such as the debt snowball calculator and the free debt payoff spreadsheet.
If you need a free app instead, our comparison of debt payoff apps lists several with free tiers.
Note: other apps also use the name Debtless, and some are free. Debtless: AI Debt & Budget, made by Armaan Manji with the AI coach Debby, is the one described here (App Store ID 6749647254). More on that.
Keep going.
What you can ask Debby and how it uses your numbers.
The app, who makes it, and how to tell it apart from others named Debtless.
Every calculator, template and guide in one place.
An honest comparison of the apps people use to get out of debt.
The same plan, kept for you.
Debtless does this math from the payments you log and moves the date every month. 7-day free trial on iPhone.
One card, one number, one day you hit zero.
Pick the order, see the date move, switch any time.
Answers with your real balances, rates and budget.
Questions, answered.
Your debt‑free date is closer than you think.
Add your debts, pick a strategy, and watch the date move.
Free download · 7-day free trial