Support
Email: drfloor1@gmail.com
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Frequently asked questions
How do I log a payment? Tap the card icon next to any debt, or open the debt and tap Log a payment. The amount is pre-filled with your minimum. Tap a quick amount, or type any figure. Your balance and your whole plan update immediately, and you can undo it.
I paid less than planned this month. What do I do? Log the amount you actually paid. Owedless recalculates around the real number. A smaller payment is still a payment.
Why does my payoff date differ from my lender's? Owedless is a calculator. It applies interest monthly from the APR you enter. Your lender may compound daily, charge fees, or apply promotional rates, so real figures will differ. Always confirm with your lender.
What is the difference between snowball and avalanche? Snowball pays the smallest balance first for quicker wins. Avalanche pays the highest interest rate first and costs less overall. You can switch any time and compare both.
My plan says it needs a bigger payment. Your monthly amount is below the total of your minimum payments. Raise the monthly amount in the Plan tab to at least the figure shown.
How do I record progress I made before installing? When adding a debt, turn on "I have already paid some of this" and enter your original balance.
My balance went up. Open the debt and tap Add a charge.
Does Owedless connect to my bank? No. Owedless never asks for a bank login and never connects to any financial institution. Everything stays on your device.
How do I back up my data? Settings, then Back up now. You can restore that backup from the same screen.
Is Owedless a subscription? No. Every feature is currently free, and Owedless will never be a subscription.