# Debt Manager — Get Out of Debt Fast

> App to organize, track, and pay off debts using various strategies. (iPhone/iPad app by MH Riley Ltd.)

- Source: https://appshunter.io/ios/app/debt-manager/id482482660 (this page in markdown: same URL + `.md`)
- Developer: [MH Riley Ltd](https://appshunter.io/developer/409695800)
- Category: Finance, Business
- Price: $0.99
- Rating: 4.60/5 from 554 App Store ratings · 220 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.5 · 34 MB
- Languages: American English
- Released: 2011-12-08
- Data updated: 2026-08-29
- Monetization: paid
- User reviews in markdown: https://appshunter.io/ios/app/debt-manager/id482482660/reviews.md

## What is Debt Manager?

*** No. 1 Ranked Finance App in the US & UK ***

'Debt Manager' has one aim - To help you GET OUT OF DEBT FAST! 

5-Stars - "By Far, This is one of the best Money Apps that I have seen. Fantastic, Great Job" 

5-Stars - "This app is worth every penny.. Great info and breakdown.. I am so looking forward to being debt free!!"

5-Stars - "This app is three things: Simple. Effective. Spot On."

5-Stars - "The details, features and thought that went into creating this app are endless."

5-Stars - "Super easy to use; choice of strategies to choose for to pay off debts. Most helpful app for paying down debt I've come across."

Debt Manager helps you to organize, track and pay off all your debts in the cheapest and fastest possible way. It does this using the Debt Snowball method, which is recognised by leading financial advisors as the most effective way to pay off multiple debts. 

You will be amazed at how much time and money you could save by applying this simple strategy, and this app will show you how. So if you want to become debt free, get started now!

*** Features ***
--------------------
√ Simple and intuitive user interface 
    - helps you see results quickly and clearly

√ Hints and tips
    - don't worry, we will guide you through the process

√ Summary shows your payoff progress
    - includes progress bar, your debt free date and your interest/time savings

√ Choose from multiple pay off Strategies
    - Lowest Balance First
    - Highest Interest First
    - Highest Balance First
    - Custom Order

√ An unlimited number of debts can be entered
    - each debt can be individually analysed
    - payments may be entered as a percentage of balance
    - support for introductory rates e.g. 0% for 6 months

√ Monthly Payments may be recorded
    - either automatic or manual recording
    - allows you to keep track of your progress

√ Backup & Restore
    - use popular Dropbox service for online storage
    - keep your data safe
    - manually sync between devices

√ Choice of payment periods
    - handles monthly, weekly and fortnightly payments

√ Extra Payments can be entered against each debt
    - helps pay off your debts even faster
    - can be entered Monthly, Yearly or as a One Off

√ Transactions can be entered against each debt 
    - allows you to take into account expenses/purchases
    - can be entered Monthly, Yearly or as a One Off
    - will increase the debt balance

√ Try out various 'What-If' scenarios e.g.
    - a change in interest rate
    - increased monthly payments

√ Export the debt details via Email
    - professionally formatted PDF or HTML
    - export individual debts or overall summary
    - includes full amortization schedules
    - charts are attached to the email export
 
√ Interactive reports 
    - easy visualisation of the debt breakdown
    - compare debts side by side
    - press, hold and slide to see the costs per month
    - pinch to zoom

√ Set of Calculators are included to help you compute:
    - monthly payments
    - extra payments
    - payoff date
    - refinance benefits

√ Notification of payments due 
    - so you never forget to record a payment

√ Passcode protection 
    - keep your data safe

√ Full manual is embedded within the app 
    - has all the info you will ever need

## Key features

- Debt Snowball method
- Multiple payoff strategies
- Progress tracking and summary
- Unlimited debt entry
- 'What-If' scenario planning
- Exportable reports and schedules
- Interactive visualizations

## Chart rankings

- #32 in Top Paid · Finance (US App Store)

## What do users think of Debt Manager?

Overall sentiment: positive

**Pros**

- 👍 Easy to use
- 🚀 Helpful for tracking and paying off debt
- 💡 Useful features like snowball and snowflake payments
- 🔒 No subscription required
- 👍 Customizable and flexible
- 🚀 Motivating to see progress and payoff dates

**Cons**

- 🐛 Issues with updating balances and interest rates
- 🐛 Backdating changes can cause problems
- 🐛 Difficulty adding new debts or changing payment details
- 🐛 Lack of syncing between devices

**Commonly reported bugs**

- Calendar and date issues causing problems
- Minimum payment restrictions that don't work as expected
- Debt balances not updating correctly after payments

**Most requested features**

- Ability to add debt start dates
- Monthly payment summary view
- Profiles to manage multiple people's debt
- More customization options for layout and visuals

## Recent user reviews (10 of 220)

All indexed reviews: https://appshunter.io/ios/app/debt-manager/id482482660/reviews.md

### 5/5 — Great app

*2026-06-17, version 1.8*

Get it is great

### 4/5 — Help

*2026-06-17, version 1.8*

Just got this app and entered my loan to begin with, so far so good as far as user friendly and stress free.

### 5/5 — Excellent App

*2026-06-14, version 1.8*

This is the best app I have used to manage debt and to set up a debt snowball. It did take a little for me to figure out how to use all of its features, however. Still, if you are a Dave Ramsey fan you will like the help this app gives.

### 5/5 — Great app for tracking and dealing with your debt 👊

*2026-06-06, version 1.8*

I love this app—great design, lots of useful options, and it only costs a buck! It takes little time (at least for me—and I’m no Einstein) to learn how to set everything up. Once you’re done, you’re good to go dealing with this horrible human invention: lending money with interest! Just don’t—unless it’s a mortgage or you’re building credit to get one. Seriously, don’t do it. It’s the biggest scam of our generation: credit cards!

I recommend everyone get this app and put all your debt into it. Look at it every time you want to open a credit card or use one—just to see how much more you’re going to pay for all the goodies in the long run. And trust me, it’s gonna be a loooong, expensive run for most of us, sadly…

One thing I wish they’d add: profiles. That way, you could manage multiple people’s debt on a single device. Other than that—awesome app! Thank you, developers!!! 👍

### 4/5 — Excellent app to keep an eye on your debts

*2026-05-01, version 1.8*

Snowball feature really useful. You can see at a glance how much you have paid and also the balance. 

Would definitely recommend!

### 5/5 — Amazing

*2026-04-15, version 1.8*

I love this app. I am one that I love seeing how much I save in money and time when I pay extra and that is what this does

### 5/5 — Excellent Budget App

*2026-04-11, version 1.8*

I’ve had this for more than 10 years. I was able keep track of my Debt and helped pay them off

### 5/5 — Love it

*2026-04-10, version 1.8*

I’ve been using this app for years and I’m so happy I came across it, and I’ll keep using it, I hope they don’t take it away!

### 5/5 — Life saver app!

*2026-04-03, version 1.8*

If you have debt and you want to pay it of early, this is the only app you will need. This app has truly changed my life!

### 5/5 — Good app

*2026-03-19, version 1.8*

I used to track everything manually in a file. On this app, I added all my creditors and amounts I owe, plus their corresponding interest rates. I still fill things in manually whenever I make a payment, but it adds everything up for me and gives me payoff month, presuming I’ll make the same payment amount. I can update any of the information at any time and don’t have to add anything up manually anymore. I realize I am not using the full functionality of the app but the way I am using it serves me very well.

## Frequently asked questions about Debt Manager

### What does Debt Manager do?

Debt Manager is designed to help users get out of debt quickly and efficiently. It allows you to organize, track, and pay off all your debts using recognized strategies like the Debt Snowball method, visualizing your progress and potential savings.

### What are the key features of Debt Manager?

Key features include a simple interface, guidance through the payoff process, summary of progress with debt-free dates and savings, multiple payoff strategies (e.g., Lowest Balance First, Highest Interest First), unlimited debt entry, and the ability to enter monthly payments and extra payments.

### How much does Debt Manager cost?

Based on the provided information, this application is a paid app. There are no mentions of in-app purchases or advertisements, suggesting a one-time purchase for full functionality.

### What kind of reports can I export?

You can export debt details via email in professionally formatted PDF or HTML. These exports can include individual debts or an overall summary, complete with full amortization schedules and charts, allowing for easy visualization and comparison.

### Can I simulate different debt payoff scenarios?

Yes, the app includes a 'What-If' scenario feature. This allows you to experiment with changes such as a shift in interest rates or an increase in your monthly payments to see how these adjustments might affect your debt-free timeline and overall savings.

## Version history (last 5 releases)

### 1.8 — 2026-01-22

iOS 26 optimizations
Face ID Support
Line up columns correctly in amortization table
Auto dismiss loan type picker once selection made
Prevent chart overlapping notch / dynamic island

### 1.7.1 — 2017-11-16

This app has been updated by Apple to display the Apple Watch app icon.

iPhone X support

### 1.7 — 2017-10-03

iOS 11 Optimisations
Fix Dropbox Backups
Support for iPhone 6 / 6 Plus screen sizes
Highlight a debt row once it is paid off

### 1.6 — 2015-07-28

Version 1.6 has the following new features and fixes:

- UI has been optimised for iOS 7/8 
- Support for larger screens
- PDF report can now be previewed and printed via AirPrint
- Touch Id option (turn passcode off and on again to activate it)
- A 'Note' can now be entered against each debt entry (in More Options screen)
- Fixed problem with blank PDFs

### 1.5 — 2012-05-08

Version 1.5 of Debt Manager brings retina graphics for the iPhone and iPad: 

New Features 
============= 
* Retina graphics
* Some UI enhancements 

Fixes 
====== 
* Fixed problem with certain data causing slow processing or crashes

------------------------------------------------ 

If you like Debt Manager, PLEASE consider rating it. You can do this very easily from the 'Settings' tab within the app. Just tap on 'Feedback' and choose 'I like it!'. 

For all queries or issues please email support@mhriley.com. We will always try to reply promptly. 

Many thanks for your support!

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## More apps by MH Riley Ltd

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All apps by MH Riley Ltd: https://appshunter.io/developer/409695800

## Related topics

[debt manager](https://appshunter.io/ios/topics/debt-manager)

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-29.*