About DebtFree Now Estimates
Updated October 11, 2026
Educational estimates
DebtFree Now helps you organize debts and compare repayment approaches. It does not lend money, connect to a bank, make payments, settle debt or repair credit. It provides educational estimates, not individualized financial, legal or tax advice.
How estimates work
The projection uses your entered balances, APRs, minimum payments and monthly extra payment. It applies estimated monthly interest and carries available payments to the next debt after one is paid off. It assumes the entered APRs and monthly payment budget stay constant. It does not model lender-specific daily interest, fees, changing minimums or missed payments. Check statements and ask your lender for a final payoff amount.
Your entries and device
Keep your entries current and protect access to your device. Logging a payment only updates this planner; it does not send money to a lender. Export a backup before deleting your plan or changing devices. There is no cloud recovery or account password reset.
Optional features
AI suggestions require your own OpenAI key and an explicit request and may incur provider charges. They can be wrong, so review them against your account terms and circumstances. Local reminder delivery is controlled by device permissions and operating system settings.
Contact
Questions about this planner: evan@experienceadvertising.com. Experience Advertising’s public contact page is https://experienceadvertising.com/contact.
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Separate website email updates: mailing-list privacy notice. Signup does not create an app account.