DEBTWRIGHT
Take control of your debt
in 60 seconds.
DebtWright builds your personalized payoff plan instantly. No bank linking. No account. No data collection. Ever.
Free forever. Pro upgrade just $6.99 — less than a single late fee.
Your debt. Your plan. Your device.
Everything is encrypted on your device and never transmitted anywhere. Your financial data belongs to you — not an ad network, not a server, not us.
How it works
From overwhelmed to plan in four steps.
1.
Add your debts
The onboarding wizard walks you through it. Pick a debt type, get a suggested APR, and move on. Got a 0% balance transfer? Set the promo rate and expiry.
2.
Choose your strategy
Snowball for motivation. Avalanche for math. Custom for control. See your debt-free date and where each dollar goes.
3.
Log payments
Hit "I Paid My Bills" to log everything in one shot. Got a windfall? Throw it at your target debt. Watch your progress bars grow.
4.
Test scenarios
What if you add $100/month? What if you refinance? Run a What-If scenario and see the answer in seconds.
What's included
The free tier is a complete debt payoff tool. Pro adds power features.
GUIDED ONBOARDING
From overwhelmed to plan in 60 seconds
A 5-step wizard walks you through setup: add your debts, set your extra monthly budget, pick a payoff strategy, and see your plan. No APR lookup required — just pick your debt type and DebtWright suggests a typical rate.
- + Add debts one at a time or bulk-add
- + Smart APR suggestions by debt type
- + Promo/intro rate tracking with expiry dates
- + Refine with real numbers anytime
Screenshot: Onboarding Wizard
Screenshot: I Paid My Bills
BULK PAYMENTS
"I Paid My Bills" — one tap
Hit one button on your dashboard to see all debts due this period. Confirm payments in bulk. DebtWright suggests the right amounts — snowball payment for your target debt, minimums for everything else. Your balances update automatically.
- + All due debts in one view
- + Smart payment amount suggestions
- + Balances update automatically
- + Included in free tier
WHAT-IF SCENARIOS
Test changes before committing
"What if I add $200/month?" "What if I refinance my auto loan at 4%?" See the impact on your payoff date and total interest instantly. Like what you see? Apply it to your live plan with one tap.
- + One active scenario on Free
- + Unlimited saved & named scenarios with Pro
- + Compare scenarios side by side
- + Apply to live plan with one tap
Screenshot: What-If Scenarios
Screenshot: Dashboard Progress
PROGRESS TRACKING
See how far you've come
Per-debt progress bars, due date proximity badges, last-paid dates on every card, and a narrative summary on your dashboard. DebtWright tells you where you stand in plain English.
- + "On track to be debt-free by May 2031"
- + Per-debt percentage progress bars
- + Due date proximity badges
- + Charts & analytics with Pro
Everything else
The details that make the difference.
Three payoff strategies
Snowball for quick wins. Avalanche for lowest cost. Custom for your own order. All three included free.
Promotional rate support
Track 0% balance transfers and intro APRs with expiry dates. Projections update automatically when the promo ends. Get alerts 30 and 7 days before expiry.
Snowflake payments Pro
Tax refund? Birthday cash? Log windfall payments with a single tap. DebtWright applies them to your target debt and recalculates everything.
Two calculation modes
Simplified (APR / 12) for quick planning. Bank-accurate (daily accrual) to match your lender's math exactly. Pro
Fully editable history
Edit or delete any payment at any time. No artificial time limits, no restrictions. It's your data.
Payday-aware scheduling Pro
Set your pay schedule and DebtWright tells you exactly what to pay from each paycheck. Supports multiple income sources.
Smart data validation
APR sanity checks, minimum payment warnings, and duplicate creditor detection. DebtWright catches mistakes before they ruin your projections.
Dark mode
Full dark mode support with system-follow option. Easy on the eyes at 2 AM when you're stress-checking your debt.
Encrypted backup & restore
Export your entire database encrypted with a passphrase you choose. Basic backup is free. Pro adds automated backup and cloud folder integration.
CSV import & export Pro
Import debts from a spreadsheet with a 3-step column mapping wizard. Export your debts and payment history to CSV for tax prep or your own records.
App lock Pro
Secure DebtWright with Windows Hello, Face ID, Touch ID, or device PIN.
Charts & analytics Pro
Total debt over time, per-debt payoff timelines, interest vs. principal breakdowns, and payoff order timelines.
Payment reminders
Get notified before payments are due — configurable from 1 to 7 days in advance. Promo APR expiry reminders at 30 and 7 days. All notifications are local-only.
Hall of Fame
Pay off a debt and it goes to the Hall of Fame — a trophy case of your wins. Original balance, payoff date, total interest paid, and a "debts killed" counter.
Desktop-first experience
Master-detail layout, full keyboard navigation with shortcuts, menu bar, right-click context menus, and window persistence. Built for people who manage finances at a desk.
Free vs Pro
The free tier is not a trial. It's the full app.
Free
- + Unlimited debts
- + All 3 payoff strategies
- + Payment logging with extra payments
- + Bulk "I Paid My Bills" flow
- + Editable payment history
- + Dashboard & projections
- + Progress bars & due date badges
- + Promo/intro APR tracking
- + One active What-If scenario
- + Basic encrypted backup & restore
- + Payment due reminders
- + Hall of Fame (paid-off debts)
- + Smart data validation
- + Dark mode
- + Full AES-256 encryption
Pro
No subscriptions. No recurring fees. Pay once, own it forever.
- + Everything in Free
- + One-tap Snowflake payments
- + Unlimited What-If scenarios
- + Quick Start wizard
- + Bank-accurate calculation mode
- + Payday-aware scheduling
- + Charts & progress analytics
- + CSV import & export
- + Automated backup + cloud integration
- + App lock (biometric/PIN)
- + Multiple payment frequencies
Windows direct purchase: $9.99 via twelvetake.com (license key via TwelveTake Vault). All prices are one-time — no subscriptions.
PRIVACY & SECURITY
Privacy by design, not by afterthought
DebtWright was built from the ground up with a zero-knowledge architecture. There is no data to breach because there is no data to collect.
No account required
No email, no password, no OAuth. Just open the app and start.
No telemetry
No analytics, no crash reports, no usage tracking. We don't know how you use the app because we don't collect that data.
No network calls
DebtWright never connects to the internet (except an optional version check for updates). Your financial data never leaves your device.
Encrypted at rest
All data is encrypted using SQLCipher (AES-256) with a key stored in your platform's secure keychain.
No ad networks
No ads, no tracking pixels, no third-party SDKs that phone home.
Privacy receipt on first launch
A clear, one-screen summary of exactly what DebtWright does and doesn't do. No 50-page policy. Just the truth.
App Store Privacy Label: "Data Not Collected."
How it compares
The features that matter, side by side.
| Feature | Others | DebtWright |
|---|---|---|
| Bank linking | Required | Never connects to the internet |
| Free tier debts | 2–4 debts | Unlimited |
| Pricing model | Monthly subscription | One-time purchase |
| Calculation modes | One | Two — you choose accuracy |
| Setup flow | Generic | Guided onboarding — 60 seconds |
| Windfall payments | No support | Snowflake payments — one tap |
| Promo rate tracking | No support | Intro/0% APR with auto expiry |
| Payment frequency | Monthly only | Weekly, biweekly, custom |
| Data location | Their servers | Your device, encrypted |
| If company shuts down | Data lost | App still works — yours forever |
The bankruptcy-proof advantage
When Tally shut down, users lost everything. When Qoins closed, users scrambled to find their data. DebtWright is a tool you own, not a service you rent. Your data lives on your device. If TwelveTake Studios disappears tomorrow, your app and your data still work.
Available everywhere
Native apps for every platform. Not a scaled-up phone app.
Windows
- Windows 10 (1903+) or later
- x64 (ARM64 via emulation)
- ~50 MB storage
- Keyboard shortcuts & command palette
Also on the Microsoft Store
iOS
- iOS 16.0 or later
- iPhone 8 and later
- ~25 MB storage
- Native SwiftUI build
iPadOS
- iPadOS 16.0 or later
- All iPads supporting iPadOS 16+
- ~25 MB storage
- Native iPad layout — not a scaled-up phone app
Universal binary — shared with iOS
macOS
- macOS 13 (Ventura) or later
- Universal (Apple Silicon + Intel)
- ~50 MB storage
- Full desktop experience
Coming soon
Linux
- Ubuntu 22.04+ or equivalent
- x86_64
- ~50 MB storage
- AppImage, Flatpak, or Snap
Coming soon
Frequently asked questions
Is DebtWright really free?
Yes. The free tier includes unlimited debts, all three payoff strategies, payment logging, bulk payment flow, one What-If scenario, basic encrypted backup, full edit history, payment reminders, Hall of Fame, dark mode, and encryption. No time limits, no trial periods. Pro unlocks advanced features like unlimited scenarios, analytics, automated backup, CSV import/export, and app lock.
Do I need to create an account?
No. DebtWright has no accounts, no login, and no sign-up. Open the app and start.
Does DebtWright connect to my bank?
No. DebtWright never connects to the internet (except an optional version check for updates). You enter your debt information manually, which means your banking credentials are never at risk.
Does DebtWright handle 0% intro rates and balance transfers?
Yes. Enter your promotional rate and its expiry date. DebtWright uses the promo rate for projections during the intro period, then automatically switches to the regular APR when it expires. You'll get reminders at 30 days and 7 days before the promo ends. Your payoff timeline accounts for the rate change.
What happens if I lose my device?
Use Encrypted Backup (available on the Free tier) to save your data to a file. You can restore it on a new device with your passphrase. Without a backup, your data exists only on the device. Pro adds automated scheduled backups.
What happens if the company goes away?
Your app keeps working. DebtWright doesn't depend on a server. There's no subscription to cancel, no account to shut down, no data migration to scramble for. This is a tool you own, not a service you rent.
Is my data really encrypted?
Yes. DebtWright uses SQLCipher (AES-256 encryption) for all stored data. The encryption key is stored in your platform's secure keychain (DPAPI on Windows, Keystore on Android, Keychain on iOS/macOS). Your data is encrypted at rest at all times.
Can I use DebtWright on multiple devices?
Currently, each device maintains its own local database. You can transfer data between devices using Encrypted Backup. Cross-device sync is a planned Pro feature.
What if my payment is less than the interest?
DebtWright will tell you. If your minimum payment doesn't cover accruing interest, the app flags it so you can adjust your plan.
Can I import debts from a spreadsheet or another app?
Yes (Pro). DebtWright includes a 3-step CSV import wizard that lets you map your spreadsheet columns to DebtWright fields. Works with exports from other debt apps or your own spreadsheets.
Can I track debts I share with a partner?
Couples/Partner mode is a planned Pro feature — shared debt tracking without account creation.
Do you sell my data?
No. We don't have your data. There is nothing to sell.
Ready to take control?
Download DebtWright for free and see your debt-free date in 60 seconds. No account, no bank linking, no strings attached.