# Debt Tracker by UnDebt — Debt Payoff Planner & Loans > Personal debt management app for tracking loans, credit cards, and payments. (iPhone/iPad app by Adam Jessop.) - Source: https://appshunter.io/ios/app/debt-tracker-by-undebt/id6744000488 (this page in markdown: same URL + `.md`) - Developer: [Adam Jessop](https://appshunter.io/developer/1728400867) - Category: Finance - Price: Free with in-app purchases (on sale, was $4.99) - Rating: 5.00/5 from 4 App Store ratings - Age rating: 4+ - Requires: iOS 17.0 · 12 MB - Languages: American English - Released: 2025-03-31 - Data updated: 2026-09-09 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/debt-tracker-by-undebt/id6744000488/reviews.md ## What is Debt Tracker by UnDebt? Debt Tracker turns "I think I owe about…" into an exact number, a date, and a plan to get there. Add what you owe — credit cards, student loans, car finance, the money you borrowed off your sister — and see the whole picture on one screen: your total balance, what you're owed back, and how much you've already cleared. ONE CLEAR BALANCE Everything you owe in a single number, with a progress bar showing how far you've come and a countdown to the day you're debt-free. A PAYOFF DATE YOU CAN PLAN AROUND Enter each debt's balance, interest rate and minimum payment, and Debt Tracker works out the month it clears. Then try paying a little extra and watch the date move — see exactly what an extra amount each month saves you in time and interest. THREE STRATEGIES, COMPARED ON YOUR NUMBERS Snowball for quick wins. Avalanche for the lowest interest. Consolidation for one simple payment. Compare all three side by side, see which clears your debt soonest and cheapest, then pick one as your plan. WATCH THE BALANCE FALL Charts show your balance dropping month by month, so progress is something you can see rather than something you have to take on faith. NEVER MISS A DUE DATE Set due dates and get reminded up to a week ahead, so late fees don't undo your work. Mark the ones that repeat monthly and they look after themselves. A calendar view shows what's coming. MONEY YOU'VE LENT, TOO Most debt apps only look one way. Debt Tracker keeps track of what friends and family owe you alongside what you owe, so your net position is honest. LOG EVERY PAYMENT Record payments as you make them and watch the balance and payoff date move. Milestones at 25%, 50% and 75% mark the way, because clearing debt is a long road and it helps to see the markers. ORGANISED HOWEVER YOU THINK Group debts into categories that make sense to you, and tag each one as a credit card, student loan, mortgage, medical, tax or personal loan. See at a glance which kind of borrowing is costing you most. PRIVATE BY DEFAULT No account. No sign-up. Your debts stay on your device unless you choose otherwise. Turn on iCloud sync and they travel with you across iPhone and iPad, in your own private iCloud — never on our servers. Export everything to CSV any time, so your data is always yours to take. BUILT PROPERLY Full support for Dark Mode and Dynamic Type, so it looks right and reads comfortably however you have your phone set up. DEBT TRACKER PRO A subscription unlocks: • Unlimited categories • Payoff dates and what-if projections • Strategy comparison across all your debts • Debt Coach, a private on-device AI you can ask about your debts (requires a supported device; written guides are available to everyone) • All 25 supported currencies Subscriptions are billed through your Apple Account. The monthly plan starts with a 3-day free trial. Payment is charged at confirmation of purchase, and renews automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel any time in your Apple Account settings. Terms and Privacy Policy: https://undebt5.wordpress.com/ ## Key features - Custom debt categories - Interest rate tracking - Track lent and borrowed money - Debt summary and progress tracking - Payment recording - Simple, easy-to-use interface ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | 12 Month Subscription | $19.99 | per year | | Monthly Subscription | $2.99 | per month | ## Frequently asked questions about Debt Tracker by UnDebt ### What is Debt Tracker App by UnDebt? Debt Tracker App by UnDebt is a personal finance application designed to help users manage their debts. It allows for tracking loans, credit card balances, and money lent or borrowed, with features like interest tracking and payment recording. ### How does Debt Tracker App by UnDebt track interest? You can add interest rates to any of your debts within the app. The total amount due will then update automatically, helping you stay informed about accruing interest on your financial obligations. ### Can I track money I've lent to others with Debt Tracker App by UnDebt? Yes, the app has a 'Lend or Borrow' feature that allows you to keep track of money you've lent to others or amounts that you owe. This helps maintain accountability for all financial transactions. ### What devices does Debt Tracker App by UnDebt support? Debt Tracker App by UnDebt is available on iPhone and iPad, making it accessible for users within the Apple ecosystem. ### How often is Debt Tracker App by UnDebt updated? The app was last updated on November 20, 2025, with version 1.0.15. This indicates a recent update, suggesting ongoing development and maintenance. ### What are the subscription plans for Debt Tracker App by UnDebt? Debt Tracker App by UnDebt offers a Monthly Subscription for $2.99/P1M and a 12 Month Subscription for $19.99/P1Y, providing flexible options for users who wish to subscribe. ### What is the age rating for Debt Tracker App by UnDebt? Debt Tracker App by UnDebt has an age rating of 4+, making it suitable for a wide range of users, including younger individuals learning about financial management. ### Does Debt Tracker App by UnDebt have ads? No, Debt Tracker App by UnDebt does not contain advertisements, as indicated by the 'hasAds' flag being false. Users can manage their finances without interruption. ## Version history (last 5 releases) ### 2.0.1 — 2026-09-03 Version 2.0 is a complete rebuild. New look, new tools, and a payoff engine that's far more accurate than before. REDESIGNED, TOP TO BOTTOM Every screen has been rebuilt around a single design system. A clear balance you can read at a glance, softer cards, proper spacing, and colour that means something — teal for money coming to you, coral for money going out. SEE YOUR BALANCE FALL New charts plot your balance month by month, all the way to zero. On any debt you can overlay "paying extra" against "minimum only" and watch the two curves separate. MINIMUM PAYMENTS, PROPERLY You can now enter each debt's real minimum payment. Payoff dates used to be based on an estimate, which could be out by years on a fixed instalment like car finance. Where you haven't entered one yet, the app tells you the date is an estimate rather than quietly presenting a guess as fact. MORE ACCURATE INTEREST Interest is now calculated one consistent way across the whole app, so the figure on a debt matches the figure in its projection. Interest also accrues on debts without a due date — previously those showed zero, which was simply wrong. Because of both fixes, some payoff dates and interest totals will look different from before. The new numbers are the correct ones. YOUR PLAN DRIVES YOUR OVERVIEW Pick a strategy and a monthly budget in Compare Scenarios, and the debt-free countdown on your Overview projects from that plan instead of assuming the bare minimum. LOAN TYPES Tag debts as a credit card, student loan, auto loan, mortgage, medical, tax, personal loan or other. A new breakdown shows what you owe by type. REMINDERS THAT ARRIVE IN TIME Choose how far ahead you're reminded — on the day, or up to a week before. Reminders used to fire on the due date itself, which was often too late to be useful. Debts that repeat monthly can now be marked as such. ICLOUD SYNC, IF YOU WANT IT Optional and off by default. Turn it on to keep your debts in your own private iCloud across iPhone and iPad. Turning it off again leaves this device's copy untouched. EXPORT YOUR DATA Export everything to CSV from Settings — balances, rates, minimums, payment history. A PROPER WELCOME A short tour on first launch explains what the app does and lets you turn on reminders and iCloud up front, rather than being interrupted later. ### 2.0.0 — 2026-08-30 Version 2.0 is a complete rebuild. New look, new tools, and a payoff engine that's far more accurate than before. REDESIGNED, TOP TO BOTTOM Every screen has been rebuilt around a single design system. A clear balance you can read at a glance, softer cards, proper spacing, and colour that means something — teal for money coming to you, coral for money going out. SEE YOUR BALANCE FALL New charts plot your balance month by month, all the way to zero. On any debt you can overlay "paying extra" against "minimum only" and watch the two curves separate. MINIMUM PAYMENTS, PROPERLY You can now enter each debt's real minimum payment. Payoff dates used to be based on an estimate, which could be out by years on a fixed instalment like car finance. Where you haven't entered one yet, the app tells you the date is an estimate rather than quietly presenting a guess as fact. MORE ACCURATE INTEREST Interest is now calculated one consistent way across the whole app, so the figure on a debt matches the figure in its projection. Interest also accrues on debts without a due date — previously those showed zero, which was simply wrong. Because of both fixes, some payoff dates and interest totals will look different from before. The new numbers are the correct ones. YOUR PLAN DRIVES YOUR OVERVIEW Pick a strategy and a monthly budget in Compare Scenarios, and the debt-free countdown on your Overview projects from that plan instead of assuming the bare minimum. LOAN TYPES Tag debts as a credit card, student loan, auto loan, mortgage, medical, tax, personal loan or other. A new breakdown shows what you owe by type. REMINDERS THAT ARRIVE IN TIME Choose how far ahead you're reminded — on the day, or up to a week before. Reminders used to fire on the due date itself, which was often too late to be useful. Debts that repeat monthly can now be marked as such. ICLOUD SYNC, IF YOU WANT IT Optional and off by default. Turn it on to keep your debts in your own private iCloud across iPhone and iPad. Turning it off again leaves this device's copy untouched. EXPORT YOUR DATA Export everything to CSV from Settings — balances, rates, minimums, payment history. A PROPER WELCOME A short tour on first launch explains what the app does and lets you turn on reminders and iCloud up front, rather than being interrupted later. ### 1.0.15 — 2025-11-20 We’ve been working behind the scenes to make your debt management experience smoother, faster, and more reliable. In this update, we have added support for dark mode, enjoy the app in the way that fits you! Thank you for using Debt Tracker—we’re committed to helping you manage your finances smarter every day. Stay tuned for more features and improvements coming soon! ### 1.0.14 — 2025-08-28 We’ve been working behind the scenes to make your debt management experience smoother, faster, and more reliable. In this update, we have added support for dark mode, enjoy the app in the way that fits you! Thank you for using Debt Tracker—we’re committed to helping you manage your finances smarter every day. Stay tuned for more features and improvements coming soon! ### 1.0.13 — 2025-06-15 We’ve been working behind the scenes to make your debt management experience smoother, faster, and more reliable. In this update, we have added support for dark mode, enjoy the app in the way that fits you! Thank you for using Debt Tracker—we’re committed to helping you manage your finances smarter every day. 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User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-09.*