DebtClear creates a personal debt payoff plan from debts and a monthly budget you enter. It compares Debt Snowball, Debt Avalanche, and Stair-Stepper strategies side by side, with 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 Android app works offline, does not require a login, and stores debt information on the device. Optional payment reminders use local notifications. Its privacy policy says debt details are not transmitted, uploaded to the cloud, or shared with the developer or third parties, though Android auto-backup may include local data 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 is free, with no subscription or premium tier. Its payoff dates and interest figures are mathematical estimates, not financial, legal, or tax advice.
Who it is for
DebtClear suits Android users who want to compare payoff strategies for several types of debt using their own budget. It may also suit people who prefer offline access and on-device debt storage.
What is good
- Compares three payoff strategies side by side
- Shows payoff dates, interest, and monthly schedules
- Supports several common debt types
- Works offline and requires no login
- Free, with no subscription or premium tier
What to know first
- Available on Android; iOS is still in development
- Android auto-backup may include local data
- Analytics, crash, and advertising services may collect data
- Payoff figures are estimates, not financial advice
Verdict
DebtClear brings multiple payoff strategies and a debt-by-debt schedule into a free Android app. Its estimates are not financial, legal, or tax advice, and Android backup settings may affect where locally stored information is included.
DebtClear plans and pricing
All plansCompared on debt management software
- Free plan
- Yes
- Payoff strategies
- both
- Balance tracking
- Yes
- Creditor tracking
- Yes
- Counselor workspace
- No
- Mobile apps
- Yes
