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Open Settings → Restore purchase. Make sure you’re signed in with the same Apple ID you used to buy it. Restoring is free and can be done as many times as you need, on any device you own.
That warning appears when a minimum payment is smaller than the interest that debt accrues each month, so the balance grows instead of shrinking. Check the APR and minimum payment you entered for each debt, and try adding an extra monthly payment on the Strategy tab.
Snowball pays the smallest balance first, which clears individual debts sooner. Avalanche pays the highest interest rate first, which costs less overall. Avalanche is never slower or more expensive in total, but Snowball clears your first debt earlier — which some people find easier to stick with.
No. Everything stays on your device. If you delete the app or lose the device, the data is gone — there is no copy on a server. Your Pro purchase is tied to your Apple ID and can always be restored.
No. The app has no access to any financial account. Every number in it is one you entered by hand.
Debt Free Date is a calculator. Its projections assume you make exactly the payments you enter, and they do not account for fees, interest rate changes, promotional periods ending, or missed payments. It is not financial advice. For guidance on your specific situation, talk to a qualified financial professional or a non-profit credit counsellor.