Borrow ten minutes today.
Start tomorrow with ten fewer.
Set a realistic screen-time allowance, borrow deliberately when you need extra time and keep tomorrow's plan honest. You see the cost before you confirm.
Free core plan · No account · Rules stay on your iPhone
Borrow 10 min today and tomorrow starts with 50 min instead of 60 min.
You don't have a willpower problem
You have an incentive problem. Here's why every limit you've ever set quietly died:
The snooze that forgives
"Remind me in 15 minutes" costs nothing — so you press it every time. A limit with a free exit isn't a limit. It's a suggestion with extra steps.
11pm-you always wins
Tired, end-of-day you will beat this morning's good intentions every single night. Systems beat willpower — but only systems with real consequences.
Shame makes you quit
Streak apps turn one bad evening into "you failed" — so you delete them by Friday. Accountability should feel fair, not humiliating.
Time Debt fixes the incentive, not you. Extra time stays possible — it just stops being free.
The deal is simple
Extra time is allowed. It is never forgotten.
Set an honest allowance
Pick a realistic daily budget for the apps that eat your evenings. Apple's Screen Time system enforces it for real — shields, not reminders.
Borrow when you must
Out of time but genuinely need more? Borrow minutes from tomorrow — after seeing exactly what it costs. Capped for safety, off-limits at bedtime, always your call.
Tomorrow adjusts itself
At midnight, borrowed minutes are repaid automatically. Tomorrow starts smaller — exactly once, exactly as agreed, with the math in the open.
New in 1.2: a personal time economy
Today, tomorrow, Flex and reclaimed time, all connected. Open it for ten seconds, make one good decision, leave.
Tomorrow Engine
See today and tomorrow side by side. Borrow 10 and watch exactly 10 minutes move before you confirm.
Save Tomorrow
End borrowed time early and the unused minutes go straight back. Spend earned Flex without touching tomorrow.
Time Vault
Every early exit, Focus session and limit you hold becomes reclaimed time, and your Chronosphere evolves through eight stages.
Pattern Breakers
When your own history shows borrowing clustering late at night or after work, you get a short challenge to break it.
Campaigns & quests
Evening Reset, Bedtime Reset, Focus Rebuild. Up to three daily quests that track themselves. Nothing to check off.
Momentum, not streaks
A rolling window means one hard day never erases weeks of progress. You get a recovery plan, never a verdict.
No feeds, no loot boxes, nothing to buy with coins. Every reward comes from time you actually took back.
"It's just 30 minutes" is 182 hours a year
Thirty extra minutes a day — the ones you never chose, the ones the snooze button waved through — add up to about 182 hours a year. That's over four working weeks, gone without a decision ever being made.
- Time Debt makes every extra minute a decision. You see tomorrow's cost before you take today's time.
- Then it shows you the other side: time reclaimed, debt-free days, borrowed time you gave back.
- No shame arithmetic. A rough day costs its minutes — never your progress, never your history.
A general estimate — your own plan sets the real numbers.
Why "debt"?
Because that's what borrowed time is. A limit you can endlessly snooze isn't a limit — it's a suggestion. Time Debt keeps the flexibility (life happens) and adds the one thing missing: a tomorrow that remembers.
Borrowing is honest, capped and repaid automatically. No guilt trips. Just a fair deal with your future self.
Everything a limit app should have been
Real app blocking
Built on Apple's Screen Time shields — the only real enforcement on iPhone. No willpower theater.
Borrowing with consequences
Borrow up to a safe cap, never below tomorrow's floor, never during protected bedtime hours.
A ledger you can trust
Every day gets one honest record. Debt is applied exactly once — never doubled, never lost.
Focus sessions
Shield selected distractions for deep work. Sessions of 45 minutes or longer can earn Flex Minutes.
Family mode
Profiles, respectful request-and-approve flows, and points that turn rules into rewards. See Family
Private by design
No account, no ads, no cloud dashboard. Your rules and history stay on your device.
An app that isn't fighting you
Most blockers profit when you fail — the more you break your rules, the more they can upsell the fix. Time Debt is built on public commitments we invite you to hold us to.
- Emergency access is always free. We never sell you an exit from your own rules.
- The free plan is a real product. One full plan, borrowing, repayment and seven-day history.
- No fake urgency. No countdowns, no invented reviews, no "only 3 spots left".
- If your subscription ends, your data stays and a working free plan remains. Nothing locks you out.
Built on evidence, not vibes
Time Debt's mechanism draws on well-studied ideas from behavioral science: commitment devices, loss framing and friction design. We document the research we lean on — and what we deliberately avoid.
Simple, honest pricing
Start free. Stay free if it's enough. Pro is for the whole system.
Time Debt
No trial. No card. No account.
- One full plan with real blocking
- Borrowing & automatic repayment
- 7-day history
Individual Pro
about $3.75/month billed annually · or $6.99/month · USD, localized by the App Store
- Multiple plans & weekend schedules
- Advanced repayment & all-time progress
- Focus programs & bedtime upgrade
Family Pro
about $5.83/month billed annually · or $9.99/month · USD, localized by the App Store
- Everything in Individual Pro
- Multiple family profiles & approvals
- Longer family history & review tools
Prices in USD — the App Store shows your localized price and any offer you are eligible for before purchase. Savings compare annual with 12 months at the monthly price. If your subscription ends, your data stays and the free plan keeps working. Full pricing details
Made for what you're protecting
The same honest mechanism, matched to your goal.
Parents
Stop arguing over five more minutes. School-day, weekend and bedtime rules with visible consequences.
Focus
Protect your focus when willpower runs out. Real shields, deliberate borrowing, tomorrow remembers.
Students
Protect study time before one video becomes fifty. Study Focus preset and honest borrow math.
Better bedtime
Stop borrowing tomorrow's energy tonight. Protected hours where borrowing is simply off the table.
Family rewards
Turn clear family rules into parent-approved rewards. Points that are never money, never random.
Everyone
One simple deal at the core: borrow today, repay tomorrow, reclaim your time.
The questions everyone asks
How is this different from Apple's built-in Screen Time?
Screen Time's "Ask for more time" button forgives instantly and forgets by morning. Time Debt uses the same enforcement underneath, but borrowed minutes automatically reduce tomorrow's allowance — so the limit stays meaningful without becoming a wall.
Can't I just delete the app to escape my rules?
You can — Time Debt is a commitment tool, not a prison. It makes the honest path easy and the escape path deliberate. For families, a guardian lock keeps settings with the parent.
Is the free plan actually usable, or a demo?
It's the real mechanism, free forever: one full plan with real blocking, borrowing with automatic repayment, and seven days of history. Pro adds more plans, schedules and longer progress — it never takes the core away.
What happens in a real emergency?
Emergency access removes every shield until tomorrow, free, every day, no questions asked. Safety is never behind a paywall.
Make tomorrow the day that remembers.
Free core plan. No account. No ads. Your rules stay on your device.