Debt Free - Pay Off your Debt — version history

What-If Simulator — windfall fix Adding a one-time windfall (a bonus, tax refund, or extra payment) to a What-If scenario now correctly updates your payoff date and total interest. Previously the windfall was ignored, so the scenario looked the same as your current plan. You'll now see the real impact of putting a lump sum toward your debt — applied to the debt you choose, or automatically to whichever debt your strategy targets first. Easier multi-device recovery Reinstalled the app or set up a new device? DebtFree now automatically restores your household plan from iCloud, and if it needs a hand there's a new "Restore Previous Household" option so you can pick up right where you left off. Clearer syncing across devices Added a helpful reminder when deleting a debt: if you use DebtFree on more than one device, make the change on one and give it a moment to sync before opening the app elsewhere — so your changes stick everywhere. Plus general bug fixes and reliability improvements. Thanks for using DebtFree — we're rooting for you on your debt-free journey.

Share your entire debt-free plan with your household. NEW: Household Mode (Premium) • Flip a switch and share every debt, saving goal, and recurring bill with your partner or family — up to 10 members per household • One shared dashboard: same balances, same payoff date, same progress on every device • Either side can record a payment, edit a debt, or mark a bill paid — the other device updates automatically • Payoff strategy (Snowball / Avalanche / Custom) and your extra monthly payment stay in sync too • Each shared edit shows "Edited by [partner's name]" so you always know who touched what • Owner-only deletions protect against accidents — members can edit but not destroy • Leave any time with your data: "Take a Copy" keeps everything on your device as personal data again • Set a custom display name so attribution reads "Edited by Sam" instead of an Apple ID • Detailed in-app help — tap the ? button at the top of Household Mode for the full reference • Syncs over iCloud (no servers, no accounts to create) — typically 30 seconds, occasionally a few minutes when iCloud is slow Improvements • Debt-Free Date now displays as "Sep 15, 2028" everywhere — abbreviated month fits comfortably on every device width • "Active Debts" and "Accounts" counts on the Debts list now match what's visible in the unified list • Cleaner sync error messages — when something goes wrong joining a household (iCloud paused, network down, invite expired) you get a plain-language explanation with the next step Fixes • Resolved a sync edge case where a recorded payment could over-deduct the balance by the interest portion on the partner's device • Improved cold-launch behavior so the initial household sync banner appears while data is being pulled • Enhancements and minor bug fixes to Household mode

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