What these tools do, in short
The saved figure estimates the money you're no longer gambling: your monthly gambling spend ÷ 30 × your streak days. The debt plan puts your debts in snowball order and shows an estimated debt-free date. Neither connects to your bank or moves money, so you still make the real payments.
How the savings tracker works
You set your monthly gambling spend when you start, and you can change it later. NoGambling.app divides it by 30 and multiplies by your gambling-free days. The Home screen shows:
- Saved: a running estimate that goes up with each full day of your streak.
- Your streak: a real-time count, with milestones and badges along the way.
The figure counts the spending you told the app about, not money in your account. If you want it to be real, move the money yourself.
If you log a relapse, your streak and saved figure go back to zero, and your promises and urge history are deleted. Your debts, journal and debt milestones stay.
The debt snowball
Debt can feed the "one big win will fix this" idea. A payoff plan gives you something slower and more honest to look at.
Enter each debt with its balance and minimum payment. The app doesn't use interest rates. Your focus debt is the one you mark urgent (one at a time), otherwise the smallest balance. Each day at 1 PM your daily savings goal is applied to the focus debt, and on the 1st of the month each debt's minimum is applied. When a debt reaches zero, its minimum rolls into the next one, and you get an estimated debt-free date.
Those balances fall in the app whether or not you paid, because it assumes you did. It's a plan, not a record of real payments, so use Log a payment or Edit debt to match your statements.
Why smallest-first and not highest-interest-first? It usually costs more in interest. The case for it is motivation: in a study of 6,000 people at a debt settlement company, those who cleared smaller balances first were more likely to clear all their debt (Gal and McShane, 2012). That study wasn't about gambling. If one debt has a far higher rate or a deadline, mark it urgent and talk to a debt adviser. Our gambling debt payoff plan covers where to get advice.
What makes this different from a generic budgeting app
Budgeting apps are built for everyone, and some, like YNAB, can link your accounts and import your real transactions (checked November 2026). NoGambling.app doesn't do that. What it adds is the tie to stopping gambling: your saved figure sits next to your streak, and if you've added a debt, the panic button's first step shows your biggest one. You can use both.
Privacy
Financial data is among the most sensitive categories. You can start with no email. Your numbers are stored on the app's servers, and the app runs usage analytics. Our privacy policy says we don't share data beyond the providers needed to serve you, unless the law requires it.
See also
Start seeing the numbers move
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Get NoGambling.app — free to try → iOS 15.1 or later · Free to try · Lifetime purchase option · No email needed to startFAQ
How does the app calculate savings?
You set your monthly gambling spend. The app divides it by 30 and multiplies by your gambling-free days. It's an estimate, not money tracked in your account, and it goes back to zero if you log a relapse.
What is the snowball debt method?
Pay off the smallest debt first while making minimums on everything else. As each debt clears, roll its payment into the next smallest. It usually costs more in interest than paying the highest rate first, but clearing an account can help you keep going. In the app, you can mark one debt as urgent to put it first.
Is the data private?
You can start with no email. Your numbers are stored on the app's servers, and the app runs usage analytics. Our privacy policy says we don't share data beyond the providers needed to serve you, unless the law requires it.
Can I use the savings tracker without entering debts?
Yes. The saved figure is on the Home screen and only needs your monthly spend. Debts are optional and have their own tab.