LoanFree is a free loan countdown timer that tracks your mortgage, car loan, student loan, or any debt with a live countdown to your payoff date. No signup, no account — your data stays on your device.
Watch years, months, days, hours, minutes, and seconds tick away in real time. Track multiple loans side-by-side with personalized color themes. Every second brings you closer to freedom.
See exactly how many days a lump-sum payment saves you. Enter any amount and instantly see your new payoff date, months saved, and how it changes your amortization schedule.
Visualize your debt journey with 9 chart types: payment breakdown, remaining balance, cumulative payments, principal vs interest, interest rate history, extra payment timeline, home equity, annual breakdown, and payoff date movement.
Home (Fixed Rate & ARM), Credit Card, Personal, Car, Education, and more. Supports 28 currencies including USD, EUR, GBP, INR, JPY, and AUD.
Learn more about the mission behind LoanFree on the About Us page, including how the app helps you track debt payoff progress privately and clearly.
Read the Privacy Policy and Terms of Service for details on local storage, analytics, advertising, and your rights.
LoanFree is a free loan countdown timer app that shows exactly when you'll be debt-free with a live countdown in years, months, days, hours, minutes, and seconds.
Enter a lump-sum amount and instantly see how many days it saves you, the new payoff date, and a month-by-month breakdown based on your actual amortization schedule.
No. All data is stored locally on your device. No signup, no cloud storage, no tracking. You can export and import loans as JSON files for backup.
Home loans (fixed-rate and ARM), car loans, student loans, credit card debt, personal loans, and more. 28 currencies supported.
Yes. Refinance any loan while preserving your full payment history. See interest saved, months saved, and view charts spanning your entire loan lifecycle.
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