A fair deal with your future self
Time Debt doesn't make limits harder. It makes ignoring them honest.
Your allowance ring
Each plan protects the apps you choose with a daily minute budget, enforced by Apple's Screen Time shields. The Today screen shows one ring: what's left, what's borrowed, what tomorrow looks like.
Borrowing, with guardrails
When the limit hits and today genuinely needs more, borrow from tomorrow. Built-in safety: borrowing is capped (about a quarter of your allowance), tomorrow never drops below a safe floor, protected bedtime hours refuse borrowing entirely, and only one session runs at a time.
Automatic repayment
At the day rollover, borrowed minutes become debt and tomorrow's allowance shrinks by exactly that amount — applied exactly once, recorded in a per-day ledger you can inspect. End a session early and unused minutes go straight back.
Stopping pays too
Stop on time and tomorrow stays whole. Finish under budget, stop early at the limit, or complete a focus session and you earn Flex Minutes — a small buffer you control, so good days build slack instead of guilt.
The math, in the open
With Individual Pro, repayment can also spread across days — half over two days, or thirds over three — so one late night doesn't flatten tomorrow.
Emergency access
One tap removes every shield until tomorrow. Free, unlimited by money, available every single day. A safety tool is not a sales opportunity.
Preview Mode
No Screen Time permission yet? Everything still works — plans, borrowing math, history — clearly labelled as preview until real enforcement is granted.
Built to not lose count
Force-quit, restart, time-zone change, dead battery mid-session — the ledger recovers and records honestly. Exactly-once debt is the whole product.