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Debtless
AI debt coach that builds your payoff plan and budget
Add your debts, pick snowball or avalanche, and see your debt-free date with a budget that funds it. Debby, the built-in AI debt coach, answers questions like "can I afford this?" or "what if I pay $50 more a month?" from your real numbers, and can draw the chart right in the chat. Import a statement to fill in your debts. No bank linking required. iPhone, US and Canada. $9.99/month or $59.99/year, with a 7-day free trial on the annual plan.
Hi Product Hunt, I'm Armaan, solo founder of Debtless: AI Debt & Budget.
Every debt app I tried did the maths but couldn't answer the questions I actually had: "can I afford this?", "what if I move $50 from groceries?" Debtless builds a snowball or avalanche plan with a debt-free date and a budget around it. Then Debby, the AI debt coach, answers those questions from your own numbers. The plan maths is plain arithmetic; the AI explains it.
To be upfront: it's iPhone-only, US and Canada, and paid ($9.99/mo or $59.99/yr, 7-day trial on annual). If you want free, Undebt.it and Debt Payoff Planner are genuinely good. Debby is a coach, not a licensed advisor.
Blunt feedback welcome, especially on onboarding and Debby's answers.
About Debtless on Product Hunt
“AI debt coach that builds your payoff plan and budget”
Debtless was submitted on Product Hunt and earned 2 upvotes and 1 comments, placing #150 on the daily leaderboard. Add your debts, pick snowball or avalanche, and see your debt-free date with a budget that funds it. Debby, the built-in AI debt coach, answers questions like "can I afford this?" or "what if I pay $50 more a month?" from your real numbers, and can draw the chart right in the chat. Import a statement to fill in your debts. No bank linking required. iPhone, US and Canada. $9.99/month or $59.99/year, with a 7-day free trial on the annual plan.
On the analytics side, Debtless competes within Fintech, Artificial Intelligence and Personal Finance — topics that collectively have 532.2k followers on Product Hunt. The dashboard above tracks how Debtless performed against the three products that launched closest to it on the same day.
Who hunted Debtless?
Debtless was hunted by Armaan Manji. A “hunter” on Product Hunt is the community member who submits a product to the platform — uploading the images, the link, and tagging the makers behind it. Hunters typically write the first comment explaining why a product is worth attention, and their followers are notified the moment they post. Around 79% of featured launches on Product Hunt are self-hunted by their makers, but a well-known hunter still acts as a signal of quality to the rest of the community. See the full all-time top hunters leaderboard to discover who is shaping the Product Hunt ecosystem.
For a complete overview of Debtless including community comment highlights and product details, visit the product overview.
Armaan Manji