Best Credit Card Payoff Calc Apps

247+ iOS apps curated and reviewed

4.4 avg rating
20 free apps
Updated August 2026

Finding the right credit card payoff calc apps can be overwhelming with so many options. We've analyzed 247+ apps to bring you the best choices for 2026, from free options to premium solutions with advanced features.

Compare top Credit Card Payoff Calc Apps (August 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Credit Card Payoff CalcCredit Card Payoff CalcFreeβ€”YesNoMay 2026
2Debt Payoff Planner & TrackerDebt Payoff Planner & TrackerFree4.7β˜… (7.2K)YesYesAug 2026
3Credit Card Debt Payoff CalcCredit Card Debt Payoff CalcFree1.0β˜… (5)NoNoMay 2026
4Intuit Credit KarmaIntuit Credit KarmaFree4.8β˜… (7.7M)NoNoAug 2026
5Gauss: Payoff Credit Card DebtGauss: Payoff Credit Card DebtFree4.9β˜… (3.6K)NoNoAug 2026
6Card Debt Payoff CalculatorCard Debt Payoff CalculatorFreeβ€”β€”NoAug 2026
7Loan Calculator - Debt PlannerLoan Calculator - Debt PlannerFree4.6β˜… (22K)YesYesAug 2026
8Pay Down: Credit Card PayoffPay Down: Credit Card PayoffFreeβ€”NoNoJul 2026

Top Picks for Credit Card Payoff Calc

Debt Payoff Planner & Tracker#2

Debt Payoff Planner & Tracker by OxbowSoft LLC

Debt Free Snowball Calculator
Strong Contender
πŸ’° Finance
4.7😊(7.2K ratings)
FreeAdsIn-App Purchases
#68in 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

  • πŸ’― Excellent debt tracking and planning
  • πŸ” Detailed debt breakdown and payoff timeline
  • 🎯 Helps stay motivated and on track
  • πŸ‘ Simple and easy to use interface

Room to Improve

  • πŸ› Occasional app crashes and stability issues
  • πŸ“† Lack of flexible payment frequency options (weekly, bi-weekly)
  • πŸ’° Frustration with premium-only features
Credit Card Debt Payoff Calc#3

Credit Card Debt Payoff Calc by SK Studios Ltd

Payoff your credit card debt
Worth Considering
πŸ’° Finance
1.0(5 ratings)
Free
Credit Card Debt Payoff Calc screenshot 1
Credit Card Debt Payoff Calc screenshot 2
Credit Card Debt Payoff Calc screenshot 3
Credit Card Debt Payoff Calc screenshot 4
Credit Card Debt Payoff Calc screenshot 5
Credit Card Debt Payoff Calc screenshot 6

Plan your credit card debt payoff to become debt-free by a target date. Input your monthly payment to see how long it will take to clear your balances. Share results and view detailed amortization schedules showing interest and principal breakdown.

More Credit Card Payoff Calc apps to explore

4
Intuit Credit Karma
Intuit Credit Karma
Intuit Credit Karma
Save, Spend & Grow Your Credit
Free

Manage your finances, monitor your credit, and explore personalized offers for loans and insurance. Simplify tax filing and access banking services. Premium features offer enhanced identity protection and bill negotiation.

Connect accounts for spending insightsMonitor credit score changesCompare loan and insurance offers
πŸ’° Finance
(7.7M)
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
πŸ’° Finance
(3.6K)
subscription
6
Card Debt Payoff Calculator
Card Debt Payoff Calculator
Card Debt Payoff Calculator
by Carlos Ichikawa Alonso
Free
πŸ’° Finance
(0)
7
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
πŸ’° Finance
(22K)
free with in-app purchases
8
Pay Down: Credit Card Payoff
Pay Down: Credit Card Payoff
Pay Down: Credit Card Payoff
See what purchases really cost
Free
πŸ’° Finance
(0)
9
Atlas - Rewards Credit Card
Atlas - Rewards Credit Card
Atlas - Rewards Credit Card
Earn cash back. Build credit.
Free

This app offers a rewards credit card designed for easy approval, even without credit history. It helps users build credit, save money with automatic discounts, and manage their finances securely with features like auto-pay and fraud protection.

High approval ratesBuild credit historyAutomatic savings up to 10%
πŸ’° Finance
(253K)
free with in-app purchases
10
CardLab: Credit Card Tracker
CardLab: Credit Card Tracker
CardLab: Credit Card Tracker
Payoff, Interest & APR Sim
Free
πŸ’° Finance
(0)
11
Credit Card Calculator
Credit Card Calculator
Credit Card Calculator
Credit Card Payoff Calculator
Free
$1.99 | 100% OFF
πŸ’° Finance
(0)
12
Payoff Formula
Payoff Formula
Payoff Formula
Credit Card Payoff Calculator
Free
πŸ’° Finance
(0)
13
MaxRewards Credit Card Rewards
MaxRewards Credit Card Rewards
MaxRewards Credit Card Rewards
Manage Travel Points & Miles
Free

This app automatically activates credit card offers and bonus categories to help you earn more rewards. It also helps you track benefits, credits, and determine the best card for each purchase, consolidating all your financial information in one place.

Automatic offer activationBonus category activationBest card recommendation
πŸ’° Finance
(17K)
free with in-app purchases
14
Ava: Build Credit Fast
Ava: Build Credit Fast
Ava: Build Credit Fast
Save Money with Lower Interest
Free

Build a positive credit history and potentially improve your credit score with this app. It offers tools like a credit builder card and a savings account to help you manage bills and establish a credit profile. Get started quickly with transparent pricing and free monthly credit reports.

Build positive credit historyCredit builder card for subscriptions and billsSave & Build Credit Account for savings and credit line
πŸ’° Finance
(49K)
subscription
15
Elan Credit Card
Elan Credit Card
Elan Credit Card
by Elan Financial Services
Free

Manage your credit card account conveniently on the go. Securely log in, view your balance and transactions, make payments, and control card access. Receive timely alerts for added security and account management.

Secure login with username/password, fingerprint, or Face IDView account balance, transactions, and available creditMake one-time payments and set up AutoPay
πŸ’° Finance
(191K)
free
16
Credit Utilization Calculator
Credit Utilization Calculator
Credit Utilization Calculator
by Felicia Gandy
Free

This app helps users understand and calculate their credit utilization ratio. It's designed for adults and children to learn how to manage revolving credit effectively, including credit cards and lines of credit.

Credit utilization calculationRevolving credit managementCredit card debt tracking
πŸ› οΈ Developer Tools
(6)
free
17
Hourglass: Debt Payoff
Hourglass: Debt Payoff
Hourglass: Debt Payoff
Loan & Credit Card Calculator
Free

This app helps you visualize your debt payoff journey. Input your loans and credit cards, set payment amounts, and see your estimated debt-free date and total interest. Model different payment scenarios to accelerate your payoff.

Calculate payoff dates for any debtSee month-by-month amortizationModel extra payment scenarios
πŸ’° Finance
(1)
free with in-app purchases
18
Seen Mobile - Build Credit
Seen Mobile - Build Credit
Seen Mobile - Build Credit
Spend, Track & Build Credit
Free

Manage your credit card account, track spending, and build your credit history. This app helps you establish or repair credit by reporting your payment activity to major credit bureaus. Take control of your finances with features like digital card access, autopay, and card locking.

Manage credit card accountTrack spending and transactionsBuild credit history
πŸ’° Finance
(26K)
free
19
WalletFlo-Credit Cards & Deals
WalletFlo-Credit Cards & Deals
WalletFlo-Credit Cards & Deals
Optimize rewards and savings
Free

Effortlessly manage your credit cards to maximize rewards and savings. Track spending, monitor perks, and discover eligible cards. Receive timely notifications to optimize your credit card strategy.

Automated spend trackingCredit card rewards managementView transaction details
πŸ’° Finance
(157)
freemium
20
Credit Card Payment Calculator
Credit Card Payment Calculator
Credit Card Payment Calculator
Debt management and tracking
Free

Calculate credit card payments by entering your balance and interest rate. Determine your payoff timeline or monthly payment amount with this intuitive tool. Manage your debt effectively with clear options for debt reduction.

Calculate monthly paymentsDetermine payoff timeframeIntuitive and easy to use
πŸ’° Finance
(94)
free with in-app purchases

FAQ about Credit Card Payoff Calc

Are there free credit card payoff calc apps for iPhone?
Yes β€” 20 of the top credit card payoff calc apps we rank are free to download, including Credit Card Payoff Calc and Debt Payoff Planner & Tracker.
Credit Card Payoff Calc shows ads and has no in-app purchases, according to its App Store listing as of August 2026.
We track 247+ credit card payoff calc apps on the iOS App Store as of August 2026, ranked by rating, recency, and analysis of real user reviews.

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