Best Card Debt Payoff Calculator Apps

239+ iOS apps curated and reviewed

4.3 avg rating
20 free apps
Updated August 2026

The best card debt payoff calculator apps on iPhone average 4.3★ across 239+ titles — we've ranked them by what real users actually keep on their phones. Updated August 2026.

Compare top Card Debt Payoff Calculator Apps (August 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Card Debt Payoff CalculatorCard Debt Payoff CalculatorFreeNoAug 2026
2Debt Payoff Planner & TrackerDebt Payoff Planner & TrackerFree4.7★ (7.2K)YesYesAug 2026
3Debtor Debt Pay Off CalculatorDebtor Debt Pay Off CalculatorFree4.8★ (44)YesNoMay 2026
4Loan Calculator - Debt PlannerLoan Calculator - Debt PlannerFree4.6★ (22K)YesYesAug 2026
5Gauss: Payoff Credit Card DebtGauss: Payoff Credit Card DebtFree4.9★ (3.7K)NoNoAug 2026
6Changed: Automate Debt PayoffChanged: Automate Debt PayoffFree4.6★ (5.4K)YesNoAug 2026
7Debt Payoff Plan CalculatorDebt Payoff Plan CalculatorFree3.4★ (135)NoNoAug 2026
8Pay Off Debt: Debt CalculatorPay Off Debt: Debt CalculatorFree3.0★ (7)NoYesAug 2026

Top Picks for Card Debt Payoff Calculator

Debt Payoff Planner & Tracker#2

Debt Payoff Planner & Tracker by OxbowSoft LLC

Debt Free Snowball Calculator
Strong Contender
💰 Finance
4.7😊(7.2K ratings)
FreeAdsIn-App Purchases
#67in Finance
Debt Payoff Planner & Tracker screenshot 1
Debt Payoff Planner & Tracker screenshot 2
Debt Payoff Planner & Tracker screenshot 3
Debt Payoff Planner & Tracker screenshot 4
Debt Payoff Planner & Tracker screenshot 5
Debt Payoff Planner & Tracker screenshot 6

Create a personalized, step-by-step plan to pay off your loans faster. Input your debt details and budget to see customized repayment schedules and track your progress towards becoming debt-free.

What We Love

  • 💯 Excellent debt tracking and planning
  • 🔍 Detailed debt breakdown and payoff timeline
  • 🎯 Helps stay motivated and on track
  • 👍 Simple and easy to use interface

Room to Improve

  • 🐛 Occasional app crashes and stability issues
  • 📆 Lack of flexible payment frequency options (weekly, bi-weekly)
  • 💰 Frustration with premium-only features
Debtor Debt Pay Off Calculator#3

Debtor Debt Pay Off Calculator by Barry Brown

Helps visualize debt costs.
Worth Considering
💰 Finance
4.8(44 ratings)
FreeAds
Debtor Debt Pay Off Calculator screenshot 1
Debtor Debt Pay Off Calculator screenshot 2
Debtor Debt Pay Off Calculator screenshot 3

This budgeting tool helps you visualize debt costs with two distinct calculators. One calculates per-month interest for credit cards, while the other determines amortized monthly payments over a specified period for larger loans. A comparison feature highlights potential savings or extra costs based on payment adjustments.

More Card Debt Payoff Calculator apps to explore

4
Loan Calculator - Debt Planner
Loan Calculator - Debt Planner
Loan Calculator - Debt Planner
Mortgage, Car, School, Payday
Free

This app helps you understand the true cost of loans and mortgages by revealing total interest paid and payoff timelines. It allows for scenario comparisons, extra payment analysis, and detailed amortization schedules. Visualize your debt journey with graphs and access bonus calculators.

Reveals total interest paidCalculates debt-free dateAnalyzes extra payment savings
💰 Finance
(22K)
free with in-app purchases
5
Gauss: Payoff Credit Card Debt
Gauss: Payoff Credit Card Debt
Gauss: Payoff Credit Card Debt
Manage Debt, Credit & Budget
Free

Manage all your credit cards in one place, track spending, and get personalized AI advice to pay off debt faster. Features include balance transfers, credit building, and automated payoff strategies.

Manage all credit cards in one appBalance transfers to low APR credit linesCredit building with reporting to bureaus
💰 Finance
(3.7K)
subscription
6
Changed: Automate Debt Payoff
Changed: Automate Debt Payoff
Changed: Automate Debt Payoff
Track Debt, Pay It Down Faster
Free

This app helps you pay off debt faster by automating extra payments from everyday purchases and allowing you to track all your balances in one place. It supports various proven payoff strategies and calculates potential interest savings.

Automated extra paymentsRound up purchasesTrack all debt types
💰 Finance
(5.4K)
free with in-app purchases
7
Debt Payoff Plan Calculator
Debt Payoff Plan Calculator
Debt Payoff Plan Calculator
Snowball repayment strategies
Free

This app helps you pay off your debts faster by calculating optimal payment strategies. Choose from various methods like snowball or highest balance first, and visualize your progress with detailed schedules and graphs.

Debt repayment strategy calculatorSnowball method optionsHighest balance first strategy
💰 Finance
(135)
free
8
Pay Off Debt: Debt Calculator
Pay Off Debt: Debt Calculator
Pay Off Debt: Debt Calculator
Lump Sum & Prepay Calculator
Free

This tool helps you pay off loans faster by calculating the impact of extra payments. Input your debt details and see how lump sums or recurring additional payments can save you interest and shorten repayment periods.

Calculate interest paid on loansSimulate extra one-time paymentsSimulate recurring extra payments
💰 Finance
(7)
free with in-app purchases
9
Debt Snowball - Payoff Planner
Debt Snowball - Payoff Planner
Debt Snowball - Payoff Planner
Credit card & payment tracker
Free

This app helps you get out of debt faster by implementing popular payoff strategies like Snowball and Avalanche. Track multiple debts, set payment schedules, and monitor your progress to save money on interest and become debt-free sooner.

Add multiple debtsChoose repayment frequencyTrack payments
💰 Finance
(1.3K)
free with in-app purchases
10
Debt Payoff Box: Snowball Plan
Debt Payoff Box: Snowball Plan
Debt Payoff Box: Snowball Plan
Loan Tracker and Planner
Free

This app helps you organize and plan to pay off your debts efficiently. It supports various payoff strategies and allows you to track your progress, offering insights into interest and time savings. Get a clear overview of all your debts in one place to achieve financial freedom.

Debt payoff planningSnowball and avalanche methodsExtra payment strategy
💰 Finance
(2.4K)
free with in-app purchases
11
Debt & Loan Calculator - Pay Off Debts and Loans
Debt & Loan Calculator - Pay Off Debts and Loans
Debt & Loan Calculator - Pay Off Debts and Loans
by Catrnja Dev
Free

Manage your debts with this intuitive tool. It automatically calculates payoff timelines using the debt snowball method, allowing you to accelerate your debt repayment by reinvesting previous payments into subsequent debts.

Debt managementAutomatic payoff calculationDebt snowball method
💰 Finance
(6)
free with in-app purchases
12
Ditch: Pay Off Debt Faster
Ditch: Pay Off Debt Faster
Ditch: Pay Off Debt Faster
Automate Payoff & Track Debt
Free

Effortlessly pay down debt with automated roundups from your purchases. Track all your loans, gain personalized insights from an AI assistant, and discover debt-friendly budgeting strategies to reach your financial goals faster.

Automated purchase roundups to debtSmart debt tracking and progress visualizationAI financial assistant for insights
💰 Finance
(2.2K)
free with in-app purchases
13
Debt Control – payoff planner
Debt Control – payoff planner
Debt Control – payoff planner
My calculator & credit manager
Free

Manage all your debts and loans in one place. Track who owes you money and who you owe, with support for multiple currencies and payment reminders. View your debt history and get an overview of your financial commitments.

Track money owed and borrowedSupport for multiple currenciesPayment period indication
💰 Finance
(32)
free with in-app purchases
14
National Debt Relief
National Debt Relief
National Debt Relief
Client Dashboard
Free

Manage your debt reduction journey with this client dashboard. Track progress, view statements, receive alerts, and communicate with debt specialists. Securely approve offers and access exclusive client perks.

Track program progressView account balances and statementsReceive alerts and notifications
💰 Finance
(12)
free
15
Debt Payoff Planner - Snowball
Debt Payoff Planner - Snowball
Debt Payoff Planner - Snowball
Repay Loan Tracker, Calculator
Free

Easily manage all your loans in one place to become debt-free faster. Visualize interest savings and track progress with smart payment strategies. Build healthy financial habits and stop overpaying interest.

Track all loans in one placeVisualize interest and time savingsSmart payment strategies (snowball method)
💰 Finance
(22)
free with in-app purchases
16
PayPlanr: Debt Payoff Planner
PayPlanr: Debt Payoff Planner
PayPlanr: Debt Payoff Planner
Balance Transfer Calculator
Free
💰 Finance
(0)
17
Debt Payoff Planner - Monnelia
Debt Payoff Planner - Monnelia
Debt Payoff Planner - Monnelia
Avalanche, Snowball Calculator
Free

This app helps you conquer debt with personalized repayment plans. Compare strategies like snowball and avalanche, and get insights into your financial progress. Achieve financial freedom faster by saving time and money on interest.

Personalized debt repayment plansCompare snowball, avalanche, and tsunami strategiesCustomizable payment adjustments
💰 Finance
(11)
free with in-app purchases
18
Credit Card Payoff Calc
Credit Card Payoff Calc
Credit Card Payoff Calc
Debt-Free Date & Savings
Free
💰 Finance
(0)
19
Debtoff – Debt Payoff Planner
Debtoff – Debt Payoff Planner
Debtoff – Debt Payoff Planner
Loan Calculator & Tracker
Free

Organize and manage all your loans, mortgages, and debts in one place. Set up repayment schedules, receive timely reminders to avoid late fees, and track your progress towards becoming debt-free.

All-in-one debt and loan managementRepayment schedule and remindersLoan and debt repayment planning
🔧 Utilities
(2)
freemium
20
Payoff — Debt Tracker
Payoff — Debt Tracker
Payoff — Debt Tracker
Crush debt. Keep more money.
Free
💰 Finance
(0)

FAQ about Card Debt Payoff Calculator

Are there free card debt payoff calculator apps for iPhone?
Yes — 20 of the top card debt payoff calculator apps we rank are free to download, including Card Debt Payoff Calculator and Debt Payoff Planner & Tracker.
Card Debt Payoff Calculator has no in-app purchases, according to its App Store listing as of August 2026.
We track 239+ card debt payoff calculator apps on the iOS App Store as of August 2026, ranked by rating, recency, and analysis of real user reviews.