# Debt Manager — user reviews > 220 indexed App Store user reviews of Debt Manager by MH Riley Ltd, rated 4.60/5 from 554 ratings. - Source: https://appshunter.io/ios/app/debt-manager/id482482660/reviews - App overview in markdown: https://appshunter.io/ios/app/debt-manager/id482482660.md - Rating breakdown: 5★ 429 · 4★ 68 · 3★ 28 · 2★ 8 · 1★ 21 ## 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 ## Newest reviews (18 of 220) ### 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. ### 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 — Life changing *2026-02-10, version 1.8* Stick with it and commit and this will be your buddy. I have the full set for maximum improvement. ### 5/5 — Useful App *2026-01-22, version 1.8* This App is easy to use. The debts are easy to set up. Credit cards are shown in a way to help create a plan. ### 5/5 — Good app *2025-12-30* 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. **Developer response:** Great! We are pleased to hear you are finding the app helpful:) Best wishes. ### 5/5 — Debt Clearance *2025-08-07* One of the best **Developer response:** Thank you for your feedback - we really appreciate it and are pleased to hear it is meeting your needs. If you need any support along the way, please contact us at support@mhriley.com where we'll be happy to hear from you. Best wishes! ### 5/5 — Great app for tracking and dealing with your debt 👊 *2025-08-06, version 1.7.1* 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!!! 👍 ### 5/5 — My Thin Wallet *2025-07-18, version 1.7.1* Keeps me going ### 5/5 — Love the app *2025-06-23, version 1.7.1* Helps to see it planned out. How much you can save is a game changer ### 3/5 — Application is good *2025-04-16* It’s good but requirement were different. **Developer response:** Thank you for your feedback. We hope you found the app you needed. ### 5/5 — Update: will there be updates? Great Tool *2025-04-07, version 1.7.1* Update after using for several years - still love it. I’ve paid off a bunch of debt. Any chance for an update? Last one was years ago. Thanks again for this awesome app. I would pay for an upgrade on this and all your apps! ***update after using app for a year: Still a great one. I’ve gifted it twice and recommended to multiple colleagues and friends. Developer is still super responsive and I finally understand how to export a table showing what payment to make where by month. Just purchased another one of his apps and downloaded two or three freebies. Thanks so much. Keep up the good work.*** This tool is awesome. Very customizable to suit your payoff style. Give you a great plan to get that debt paid off. We will be out of debt - even our mortgage - 12 years early if we follow this plan. Also, the developer is super responsive! I emailed a question and heard back in less than a day. I highly recommend this app to save you money, time, and headaches! ### 5/5 — Simple to use *2025-04-01, version 1.7.1* I’ve used this app for years and it has proven very helpful. It’s not perfect, despite me giving it five stars, but the issues I have are easy to overcome. When a credit card balance reaches zero, it won’t let me put that in. I have to say that I owe $0.01 in order to not get an error message or delete the account - which may a balance again in a week. Obviously, saying that there is a $0.01 balance doesn’t really affect my planning. I’ve been very happy overall. ### 5/5 — Great *2025-02-09, version 1.7.1* The one app I keep going back to consistently even over years. ### 5/5 — Great App *2025-01-20, version 1.7.1* Great app full of goodies ### 5/5 — Practical *2024-12-10, version 1.7.1* Thank you for creating and releasing this. I like that I can put I in the information myself. I don’t understand the full functionality but I’m looking forward to learn the features to effectively help improve my credit. ### 5/5 — Best Debt Payoff App *2024-11-14, version 1.7.1* This app is by far the best I’ve found for managing/strategizing debt payoff. I’ve tried a bunch, many are “fancier,” but none are better. Only thing I wish it had is a unified payoff schedule. But, going to each debt and turning the phone sideways gives an excellent payoff schedule for each debt independently. I love the promotional period features and the robust list of snowball strategies, which surprised me how close (or far apart) some of the strategies are. Kudos to the developers. ### 5/5 — Useful *2024-11-04, version 1.7.1* Very useful and is not subscription attached ### 5/5 — Great value for the price *2024-09-10, version 1.7.1* Super easy to set up and very intuitive ## Most critical reviews (10 lowest-rated) ### 1/5 — Not the top ranked - just a lie *2026-02-13, version 1.8* Extremely basic app. Text in App Store says #1 app in UK / US. This is BS. They just added this bogus info themselves without any checks from Apple (reported). Save your dollar- this app sucks. ### 1/5 — Not as simple as I thought. *2025-08-31, version 1.7.1* I’m not seeing where to post payments, just snowflakes. ### 1/5 — Problematics *2024-08-29, version 1.7.1* I am sure the developer put a lot of effort into this. However, I am frustrated using the app to say the least. The interface is so 90’s and the app feels like a DOS command line in its entirety. No flexibility (for the start of loan day and multiple start dates as expressed by others…) and not intuitive at all. At a time when your bank transactions are broken down and categorised by AI, this app is quite outdated. The experience is that of old cumbersome textbooks. Unfortunately, I will have to uninstall. ### 1/5 — Does not work *2023-01-12, version 1.7.1* To summarize: This application has not been updated for several years and no longer works. The calendar dates are completely off. So it is useless. ### 1/5 — Can’t Cancel! *2022-10-09, version 1.7.1* I see no way to cancel my account with this company. Very frustrating ### 1/5 — Confusing and stupid *2020-11-16, version 1.7.1* This app is really not user friendly at all. Add a debt. Fill out all the detailed. Now make a payment ......balance remains the same. Infuriating. ### 1/5 — Can’t view on different device *2020-07-05, version 1.7.1* I had it on my iPad and wanted to view the data on my phone and realised you don’t have an account so can’t see the information anywhere else. ### 1/5 — Hard to use *2019-04-23, version 1.7.1* The snowball function does not work properly, you cannot move the debts to a custom order, even though it gives you the option to make it custom, the function just doesn’t work. Also after inputting your debt amount and interest amount, the app will not let you adjust the minimum payment amount under what it calculates to be right, even if it’s wrong. Very confusing and frustrating. ### 1/5 — Help *2019-03-12, version 1.7.1* All my debts seem to default to the same start date. Nothing in the tutorial helps you with this. Waste of time because the information you get makes no sense . ### 1/5 — Wish I could get my money back *2018-03-24, version 1.7.1* It doesn’t calculate very well. I input my loan detail and it forces me to accept a monthly minimum payment that is twice my monthly minimum payments. Very upsetting!! ## Most praised reviews (10 highest-rated) ### 5/5 — Great app *2026-06-17, version 1.8* Get it is great ### 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!!! 👍 ### 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. ### 5/5 — Love this app *2026-02-28, version 1.8* Fun calculator for assisting in paying off debt. ### 5/5 — Excellent *2026-02-23, version 1.8* I like this app, you need follow the advice and you will complete your debits thanks --- *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 2026-09-09.*