# DebtWise: Crush Your Debt — Manage Debt, Credit & Budget

> All-in-one debt management, credit monitoring, and budgeting tool. (iPhone/iPad app by Habitual Money, Inc..)

- Source: https://appshunter.io/ios/app/debtwise-crush-your-debt/id1553030289 (this page in markdown: same URL + `.md`)
- Developer: [Habitual Money, Inc.](https://appshunter.io/developer/1552156766)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Rating: 4.60/5 from 131 App Store ratings · 30 written reviews indexed
- Age rating: 4+
- Requires: iOS 13.4 · 42 MB
- Languages: English
- Released: 2022-02-17
- Data updated: 2026-06-10
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/debtwise-crush-your-debt/id1553030289/reviews.md

## What is DebtWise?

DebtWise is an easy way to track all your debt in one place, monitor your credit, create budgets, and 
embark on a debt-free journey. 

** KEY FEATURES **

- Track and manage your debt in one place
- Build a personalized debt payoff plan
- Monitor your credit score
- See your upcoming bills
- Create a budget and track your spending
- Read articles to improve your financial literacy
- Get personalized finance tips
- Explore credit building & personal loan offers

MANAGE AND PAYOFF YOUR DEBT

See all your debt and other finances in one place for simple money management. See upcoming bills, spending alerts, projected payoff dates, and more to stay on track to pay off debt.

- Tailor your debt payoff strategy to fit your financial goals and preferences.
- Stay on track with timely reminders for upcoming payments.
- Visualize your journey to debt-free living with real-time progress tracking.
- See the financial benefits of your debt payoff plan with our debt-free calculator.
- Your financial information is encrypted for privacy and data protection.
- Access valuable tips to make informed financial decisions and optimize your strategy.

STAY ON TOP OF YOUR CREDIT

- Instantly track changes to your credit report and stay in control.
- Keep tabs on your credit score and understand factors influencing it.
- Receive instant notifications for critical changes to your credit profile.
- Get personalized tips to boost and maintain a healthy credit score.
- Our dedicated support team is ready to assist you around the clock.

SIMPLE, AUTOMATIC BUDGETING 

Organize your finances with automatic spending categories—no entering numbers yourself!

- Seamlessly create and manage budgets with an easy-to-use interface.
- Monitor your spending habits and identify areas for savings.
- Tailor your budget categories to match your unique spending patterns.
- Keep tabs on your income sources and plan your budget accordingly.
- Gain insights into your spending patterns with visually appealing charts and reports.
- Your financial information is encrypted and secure for peace of mind.


Terms of Service
https://www.debt-wise.com/terms-of-service

Privacy Policy
https://www.debt-wise.com/privacy-policy

## Key features

- Track and manage debt
- Personalized debt payoff plans
- Credit score monitoring
- Budget creation and spending tracking
- Upcoming bill reminders
- Financial literacy articles

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| DebtWise Premium | $10.00 | per month |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| DebtWise Premium | $10.00 | one-time |


## Recent user reviews (10 of 30)

All indexed reviews: https://appshunter.io/ios/app/debtwise-crush-your-debt/id1553030289/reviews.md

### 1/5 — Theft/Fraud

*2026-01-21*

This app does not work as advertised. I have emailed support on multiple occasions to receive nothing in return. I paid for a subscription to link my equifax and it still asks me to link. Waste of money, I feel cheated and stolen from. If I could; this would receive no stars.

### 1/5 — Did not work from the start

*2025-12-31*

I paid for premium and couldn’t get my equifax to sync I reached out to ask them to not charge me they said they couldn’t do anything about it.

### 1/5 — App just Crashes

*2025-12-01, version 6.1.1*

This app sucks, it won’t open, just crashes after downloading it.

### 1/5 — Stuck- doesn’t load

*2025-05-05, version 6.0.2*

Put in all my information. Click the Planner tab, and agreed to payment. Just spins and never loads. Gets stuck. Very buggy! 

I’ve tried uninstalling, reinstalling. Logging off and on. 

Nothing. Doesn’t work and there’s no option to reach tech support 

WASTE OF MY TIME

### 2/5 — Can input actual numbers

*2024-12-07*

Seems nice because it imports your accounts. But they are all wrong, some months behind. When you try to build a plan it uses you minimum payment, you can’t input you actual payment amount. So overall numbers are not correct

### 5/5 — My favorite app to track debt payoff

*2024-11-30*

I really like the setup on this. It helps me with seeing how much I’ve paid and when I can pay everything off. I also like that I can customize my plans. Would recommend to a lot of people

### 1/5 — Doesn’t let me set up

*2024-11-06, version 5.2.1*

It doesn’t even let me create and account . Suppose to send a text with a passcode and doesn’t do it . No updates , nothing . Tried on different days too. Wack app

### 4/5 — Good app but needs bug fixes

*2024-08-08*

App crashes a lot, doesn’t update after editing plans, won’t let me change categories sometimes on my transactions and won’t let me create smart rules. Would be perfect if these problems can be fixed

### 5/5 — Great debt tracker

*2024-08-07, version 5.2.1*

Great free debt tracker so far!

### 5/5 — Such an easy way to manage my bills and pay off debt!

*2024-07-07*

Seeing all of my bills and debts in one place has made paying them and paying off my debt so much easier! I love that my accounts are easily connected and update on their own, and seeing the payoff dates for each debt has given me hope that I will be debt-free!

## Frequently asked questions about DebtWise

### What does DebtWise do?

DebtWise is a comprehensive financial management application designed to help users track all their debts in one place. It also offers features for monitoring credit scores, creating personalized budgets, and developing a debt-free payoff plan. The app aims to simplify money management and provide users with tools and insights to achieve financial freedom.

### What are the key features of DebtWise?

Key features include tracking and managing all your debts, building a personalized debt payoff strategy, monitoring your credit score, seeing upcoming bills, creating and tracking budgets, and accessing articles to improve financial literacy. The app also provides personalized finance tips and offers for credit building and personal loans.

### Is DebtWise free to use?

The application is free to download and use, with in-app purchases available. This model allows users to access core debt management and budgeting features without upfront cost, while offering optional premium features or services through in-app purchases.

### How does DebtWise help with debt payoff?

DebtWise helps users embark on a debt-free journey by allowing them to see all their debts in one place and build a personalized payoff plan tailored to their financial goals. It provides timely reminders for upcoming payments, real-time progress tracking, and a debt-free calculator to visualize the financial benefits of their plan.

### Is my financial information secure with DebtWise?

Yes, your financial information is encrypted for privacy and data protection. The app prioritizes security to give users peace of mind while managing their sensitive financial data. This includes secure handling of credit report information and spending patterns.

## Version history (last 5 releases)

### 6.1.1 — 2025-08-27

Bug fixes

### 6.1.0 — 2025-05-22

- Create multiple payment plans
- Make one-time payments in payment plan
- Bug fixes

### 6.0.2 — 2025-02-02

**DebtWise Premium**

### 6.0.1 — 2025-02-01

We’re excited to bring you the latest updates to make managing your debt and budgeting even easier! Here’s what’s new:

* Peach is now DebtWise
* Premium plan available
* Bug fixes

### 5.2.1 — 2024-07-22

Bug fixes

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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 2026-06-10.*