DebtShift
See exactly when you'll be debt-free
Add your debts, pick a strategy, and get a month-by-month payoff plan in under two minutes. Core features free forever.
Coming Soon to Google Play
See exactly when you'll be debt-free
Add your debts, pick a strategy, and get a month-by-month payoff plan in under two minutes. Core features free forever.
Coming Soon to Google PlayHow It Works
No signup. No bank connections. Just you and a plan.
Enter each card, loan, or overdraft with its balance, APR, and minimum payment. Supports 9 debt types and 150+ currencies.
Compare Avalanche, Snowball, and Hybrid side by side. See which saves the most interest and which clears debts fastest.
Get a personalised month-by-month plan showing exactly when each debt is paid off and how much interest you save.
Strategies
Every strategy covers your minimums first, then directs spare budget to one target debt.
Targets the highest interest rate first. Mathematically optimal — saves the most money over time.
Best when you want to minimise total interest paid.
Pays off the smallest balance first for quick wins. Debts disappear faster, keeping you motivated.
Best when you need momentum and visible progress.
Prioritises high interest but bumps small balances to the front for quick wins. Best of both worlds.
Best for a balanced approach with quick wins and savings.
DebtShift also calculates a minimum-only baseline so you can see exactly how much time and money your strategy saves compared to paying just the minimums.
Features
Powerful tools, zero complexity.
Your debt-free date, total savings, and personalised tips that update as your situation changes.
Projected balances, credit utilisation, actual history, and cumulative interest savings — all in one place.
Model balance transfers to see if they're worth it — or use "I Have an Offer" mode to enter a new card's terms and let DebtShift recommend which debts to move and how much from each.
Record payments, mark extra contributions, and compare your actual progress against the plan.
Export detailed strategy reports and payment schedules to share with a financial advisor or keep for your records.
All data stays on your device. No accounts, no cloud sync, no tracking. Free PIN and biometric lock to protect your financial data.
Credit cards, personal loans, car finance, overdrafts, student loans, BNPL (fixed, deferred interest, revolving), medical debt, personal IOUs, and more.
Track 0% introductory deals with interest-free countdowns and expiry warnings. Your forecast adjusts automatically when the promo ends.
Mark one debt as your top priority. DebtShift pays it first before applying your chosen strategy to the rest.
Get reminded 3 days before, 1 day before, and on the day each payment is due. Per-debt toggles let you choose which debts to track.
Protect the app with PIN, fingerprint, or face recognition. Always free — your financial data security shouldn't require a subscription.
Pricing
Start with a 31-day free trial of everything. After that, core features stay free — subscribe only if you want premium tools.
No credit card required
Everything in Free, plus advanced tools
| Monthly | Annual | |
|---|---|---|
| 🇬🇧 UK | £1.99/mo | £14.99/yr Save 37% |
| 🇺🇸 US | $2.49/mo | $19.99/yr Save 33% |
| 🇪🇺 EU | €2.29/mo | €17.99/yr Save 35% |
FAQ
Yes. All your financial data is stored locally on your device and never leaves it. DebtShift has no accounts, no cloud sync, and no analytics tracking. You can also protect the app with a PIN or biometrics.
Absolutely. Core features are free forever: unlimited debts, all three strategies, the full dashboard, projected charts, and personalised tips. No payment details are ever required to use the free tier.
When the trial ends, you keep full access to core features — unlimited debts, all three strategies, the full dashboard, and PIN/biometric lock. Premium features (What-If simulator, export, payment tracking, priority toggle, reminders) become locked until you subscribe. Any data you recorded during the trial is preserved and becomes accessible again if you subscribe later.
With a Premium subscription, you can export detailed strategy reports as CSV or PDF. You can also back up and restore your full debt data from the dashboard menu (available on the free tier).
DebtShift is available for Android (5.0+). An iOS version is under consideration. There is also a web preview, though the full experience is on mobile.
No. DebtShift is an informational tool that helps you visualise and compare debt payoff strategies. It does not constitute financial advice. If you need personalised advice, please consult a qualified financial advisor.