Debt Free - Pay Off your Debt — version history

What's New: IOU Tracker — Keep track of who owes what • Track informal loans with friends and family — who owes you and what you owe • Link contacts and reach out directly via call, text, or email with pre-written reminders • Create custom categories with icons and colors to organize your IOUs • Insights dashboard with balance breakdown chart, category analysis, and activity timeline • Filter by active, settled, direction, and mark IOUs as settled when paid back • 3 free IOUs, unlimited with Premium Smarter Notifications • Personalized monthly digest with your payment progress and next steps • Gentle re-engagement nudges if you haven't checked in recently • iCloud sync health alerts to keep your data in sync Dashboard Improvements • See up to 3 upcoming payments at a glance (previously only 1) • Refreshed progress ring animation with glow effect Apple Watch Enhancements • New watch face complications — see your debt progress right on your watch face • Debt Progress complication: circular gauge, inline text, and corner styles showing payoff percentage • Debt Countdown complication: rectangular view with days until debt-free and remaining balance • Upcoming payments view now shows up to 3 next payments with urgency badges and haptic alerts • Sync status indicator on the summary screen shows when data was last refreshed Bug Fixes & Polish • Improved iCloud sync reliability • Various stability improvements

Partner Debt Sharing (Premium) • Share debts with your partner and tackle them together • Both partners can record payments and track spending on shared debts • Every payment and transaction shows who recorded it • Set a custom display name so your partner knows who paid • Works offline — changes sync automatically when back online Debt Details • Prominent green "Record Payment" button at the top of the Overview tab for quick access • Shared badge — debts shared with a partner show a person.2 icon next to the debt name Improvements • Live interest ticker — the "Today" column now ticks up in real time, showing interest accruing second-by-second throughout the day • Interest cost card repositioned higher on the dashboard, right after challenges, so the cost of waiting is always visible before you act • Snowball breakdown card — when the debt receives extra snowball payments, a new card shows the base payment, extra snowball amount, and total monthly payment with a visual bar • Improved notification scheduling — same-day reminders are now staggered • Better progress calculation for shared credit card debts • Enhanced sync reliability with foreground refresh and deduplication • Darker green text for improved readability on light backgrounds • Comprehensive in-app help guide for Partner Sharing Bug Fixes • Fixed potential duplicate payments during sync edge cases • Other minor bug fixes and performance enhancements Thank you for using Debt Free app! If you enjoy the app, please leave a review.

Bill Tracking Improvements • Fixed duplicate bill occurrences caused by iCloud sync across devices • Autopay bills are now automatically marked as paid when their due date passes — no more false "Overdue" alerts • All Bills list now sorted newest-first for easier review • Past autopay bills no longer appear in the Upcoming section iCloud Sync • Improved sync reliability: "Sync Now" properly triggers both import and export • Automatic deduplication for bills, payments, and saving goals across devices • Background sync cleanup runs without slowing down the app • Added Sync Diagnostics screen with "Send to Support" option Saving Goals • Fixed duplicate goals appearing when syncing across devices Bug Fixes • Improved overall data integrity across iCloud-synced devices

Smarter Calculations After Payoffs Paying off a debt now correctly updates your progress everywhere — your original debt total stays accurate, and freed-up payments automatically roll into your snowball cascade to pay off remaining debts faster. Improved iCloud Sync The "Sync Now" button now triggers a real CloudKit sync instead of just showing a spinner. You'll see honest status updates and confirmation when your data actually syncs across devices. Debt Freedom Optimizer Redesign The optimizer now features larger, easier-to-read controls, full descriptions instead of truncated text, and a clear before/after comparison when you simulate extra payments. The results section guides you when you haven't started a simulation yet. More Currencies Added support for 11 new currencies: Philippine Peso, Brazilian Real, South Korean Won, Singapore Dollar, Thai Baht, South African Rand, New Zealand Dollar, Swedish Krona, Norwegian Krone, Turkish Lira, and Indonesian Rupiah. Additional Improvements • Heatmap tiles now clearly show "mo. saved" instead of ambiguous "months" • Improved fonts and contrast throughout the optimizer and heatmap • Bug fixes and performance improvements