# Debt Organizer — Your Smart Debt & Bill Planner

> Financial organizer for tracking debts, managing bills, and monitoring payment due dates. (iPhone/iPad app by Damian Martinez.)

- Source: https://appshunter.io/ios/app/debt-organizer/id6760249524 (this page in markdown: same URL + `.md`)
- Developer: [Damian Martinez](https://appshunter.io/developer/1747965575)
- Category: Finance
- Price: Free
- Rating: 5.00/5 from 2 App Store ratings · 3 written reviews indexed
- Age rating: 4+
- Requires: iOS 26.2 · 20 MB
- Languages: English
- Released: 2026-03-12
- Data updated: 2026-07-09
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/debt-organizer/id6760249524/reviews.md

## What is Debt Organizer?

Debt Organizer is a powerful, intuitive financial management app designed to help you track debts, manage bills, plan payments, and stay in control of your financial obligations. With a clean, modern interface and an organized design, Debt Organizer brings your important financial information together in one place so you can stay informed, focused, and prepared.

Managing multiple debts and bills can be overwhelming, especially when balancing payment schedules, interest rates, balances, due dates, and recurring obligations. Debt Organizer simplifies this process by giving you a clear overview of what you owe, what is coming up, and how your progress may change over time.

You can add and manage credit cards, loans, monthly bills, payment records, due dates, balances, APRs, minimum payments, and payoff progress. Debt Organizer also includes advanced calculations and projections to help you better understand how payments, interest, extra contributions, balance transfers, and payoff decisions may affect your overall progress.

Debt Organizer includes dedicated Financial Tools to support smarter planning, including a Paycheck Planner, Credit Estimator, Extra Payment Impact tool, and an advanced Debt Snowball vs Avalanche comparison. These tools are designed to help you explore payoff strategies, estimate possible outcomes, compare approaches, and organize your financial planning with more confidence.

The app also includes ZyroAI, an intelligent assistant designed to provide personalized, data-driven insights based on information saved in the app. ZyroAI can help summarize activity, explain payoff progress, review financial patterns, and support smarter organization.

Debt Organizer includes helpful features such as payment reminders, payday markers, optional Face ID privacy lock, widgets, Live Activities, Siri Shortcuts, Spotlight Search, and Smart Tips. These features are designed to make the app easier to access, more useful, and more connected to your daily financial routine.

With Sign in with Apple, you can securely save your data and access it across multiple devices while maintaining control of your information. Debt Organizer also supports a full guest experience, allowing you to use the app without requiring an account.

Debt Organizer now has an official website at https://debtorganizerapp.com, where you can learn more about the app, view support information, and access helpful resources. If you have questions, comments, concerns, or need support, you can also contact us by email at debtorganizerapp@gmail.com.

Privacy remains a core principle of Debt Organizer. Your financial data is stored privately. Local data stays on your device, and synced data is managed through Apple’s systems when you choose to use those features. The developer does not automatically access your debts, bills, balances, payment history, or private financial records.

Debt Organizer is designed to be reliable, efficient, and easy to use while helping you stay organized and focused on your financial goals. Whether you are tracking credit cards, loans, monthly bills, payments, or payoff strategies, the app helps bring everything together in one place.

Debt Organizer is intended to help organize financial information and track progress. The app does not provide financial, legal, credit, tax, or investment advice. All calculations, estimates, projections, and credit-related tools are for educational and organizational purposes only. Users should verify important financial details with their lenders, credit bureaus, banks, and financial institutions before making financial decisions.

## Key features

- Track multiple debts
- Manage bills and payments
- Monitor interest rates (APR)
- Organize due dates
- View financial overview
- Local data storage

## Recent user reviews (3 of 3)

All indexed reviews: https://appshunter.io/ios/app/debt-organizer/id6760249524/reviews.md

### 5/5 — Amazing debt organization

*2026-03-26*

I really like this app highly recommend it’s very easy to navigate and tells you how much you are paying in interest and how long it will take to pay off. Helps me pay off all my debt and stay organized

### 5/5 — works great

*2026-03-26*

app is actually pretty cool it’s simple and not to difficult like other apps no adds either 5/5

### 5/5 — Best Debt Planner

*2026-03-13*

I have tried many different Debt Planners and have to say this is the best one by far! It’s helped me not spend as much and kept me on track when I owe money on anything. Highly recommend if you want to save!!! Easy to use and understand !

## Frequently asked questions about Debt Organizer

### How does Debt Organizer help manage finances?

Debt Organizer provides a centralized platform to track multiple debts, manage bills, and monitor upcoming payment due dates. It helps users gain a clear overview of their financial commitments and make informed decisions.

### Is my financial data safe with Debt Organizer?

Yes, privacy is a core principle. Debt Organizer does not collect, transmit, or store personal or financial information outside of your device. All data is stored locally on your device.

### What types of financial information can I track?

You can store details for each debt or bill, including balances, interest rates (APR), payment amounts, and due dates. The app also provides helpful calculations and projections.

### Does Debt Organizer offer financial advice?

No, Debt Organizer is intended to help organize financial information and track progress. It does not provide financial, legal, or investment advice. All calculations are estimates.

### What devices is Debt Organizer available on?

Debt Organizer is available for iPhone and iPad devices.

### How often is Debt Organizer updated?

The latest version is 1.2, and it was last updated on March 25, 2026. Updates aim to improve reliability and efficiency.

### What is the user rating for Debt Organizer?

Debt Organizer has a high user rating of 5.0 stars based on 2 ratings, indicating strong user satisfaction.

### Does Debt Organizer have ads?

No, Debt Organizer is ad-free, allowing for an uninterrupted financial management experience.

## Version history (last 5 releases)

### 1.7 — 2026-07-01

Version 1.7 adds powerful new planning tools, stronger privacy controls, and more ways to stay connected with your finances.

- New Financial Tools tab with dedicated calculators and estimators
- Credit Estimator for exploring utilization, account age, and payment-history scenarios
- Advanced Snowball vs Avalanche comparison for payoff speed, interest savings, and strategy momentum
- Paycheck Planner improvements for planning income around bills and debts
- Extra Payment Impact estimates for payoff time and interest savings
- Balance Transfer support for credit cards, including fees
- Paid in Full option for closing out debts when ready
- Payday markers in the Financial Calendar
- Smarter Zyro guidance with better app context and summaries
- Brand new features: Face ID privacy lock, widgets, Live Activities, Spotlight Search, Siri Shortcuts, and Smart Tips
- Email support added in the app and website
- Performance, backup, security, and stability improvements
- Redefined layout and design

Thank you for using Debt Organizer.

### 1.6.1 — 2026-05-22

Bug fixes and improvements

### 1.6 — 2026-05-20

- Debt Organizer has been updated with a refreshed app design, improved performance, and a smoother overall experience.

- This update introduces the new Debt Organizer website, now easily accessible directly through the app. You can visit the website to learn more about Debt Organizer, access helpful information, and stay connected with future updates.

- We also added a new Message Us feature, allowing you to ask questions, share concerns, or reach out for support directly inside the app. This makes it easier to get help without leaving your Debt Organizer experience.

- Additional improvements include an enhanced notification system to help you stay on top of upcoming payments, upgrades to ZyroAI for better financial insights, and general performance improvements for faster, smoother navigation throughout the app.

### 1.5 — 2026-04-30

- Enhanced Zyro with smarter responses, improved continuity, and a more refined overall experience.
- Redesigned the Home Layout with new customization options, allowing users to choose what appears on their Home dashboard.
- Improved speed, performance, and responsiveness throughout the app.
- Fixed bugs and improved overall stability for a smoother experience.
- Refined internal system calculations for better accuracy and consistency.
- Polished UI across the app for a more professional and streamlined look.
- Upgraded the notifications system with improved timing, scheduling, and frequency controls.
- New Financial Calendar: View upcoming bills and payments in one organized place.

### 1.2 — 2026-03-25

• Refined overall interface design and layout consistency
• Improved financial momentum calculations for greater accuracy
• Added enhanced optimization insights with actionable guidance
• Introduced zero-balance credit card tracking for better organization and utilization accuracy
• Updated payoff timeline for improved clarity and interaction
• Improved extra payment impact section for consistent layout and readability
• Fixed minor issues and improved overall performance

## Related topics

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

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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 2026-07-09.*