Best Credit Card Payoff Calculator Apps

223+ iOS apps curated and reviewed

4.4 avg rating
19 free apps
Updated June 2026

From beginner-friendly picks to power-user tools, our credit card payoff calculator list covers 223+ iPhone apps updated through June 2026. Compare ratings, prices, and screenshots in one place.

Top Picks for Credit Card Payoff Calculator

Debt Payoff Planner & Tracker#1

Debt Payoff Planner & Tracker by OxbowSoft LLC

Debt Free Snowball Calculator
Editor's Choice
๐Ÿ’ฐ Finance
4.7๐Ÿ˜Š(6.7K ratings)
FreeAdsIn-App Purchases
#58in 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

  • ๐Ÿ’ฏ Excellent debt tracking and planning
  • ๐Ÿ” Detailed debt breakdown and payoff timeline
  • ๐ŸŽฏ Helps stay motivated and on track
  • ๐Ÿ‘ Simple and easy to use interface

Room to Improve

  • ๐Ÿ› Occasional app crashes and stability issues
  • ๐Ÿ“† Lack of flexible payment frequency options (weekly, bi-weekly)
  • ๐Ÿ’ฐ Frustration with premium-only features
Loan Calculator - Debt Planner#3

Loan Calculator - Debt Planner by ChuChu Train Productions

Mortgage, Car, School, Payday
Worth Considering
๐Ÿ’ฐ Finance
4.6๐Ÿ˜(22K ratings)
FreeAdsIn-App Purchases
Loan Calculator - Debt Planner screenshot 1
Loan Calculator - Debt Planner screenshot 2
Loan Calculator - Debt Planner screenshot 3
Loan Calculator - Debt Planner screenshot 4
Loan Calculator - Debt Planner screenshot 5
Loan Calculator - Debt Planner screenshot 6

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.

What We Love

  • ๐Ÿ‘ Easy to use
  • ๐Ÿš€ Quick calculations
  • ๐Ÿ’ก Helpful for financial decisions
  • ๐Ÿ”’ Secure app

Room to Improve

  • ๐Ÿ” Lacking advanced features
  • ๐Ÿ’ธ Excessive ads
  • ๐Ÿ› Bugs and crashes

More Credit Card Payoff Calculator apps to explore

4
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
๐Ÿ’ฐ Finance
(94)
free with in-app purchases
5
Intuit Credit Karma
Intuit Credit Karma
Intuit Credit Karma
Your personal money app
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
๐Ÿ’ฐ Finance
(7.7M)
free with in-app purchases
6
EZ Financial Calculators
EZ Financial Calculators
EZ Financial Calculators
by Bishinew Incorporated
Free

Access a comprehensive suite of financial tools for personal and business use. Calculate loans, mortgages, investments, retirement savings, and more with ease. This app offers a wide range of specialized calculators for detailed financial analysis.

Finance and Investment CalculatorsLoan and Mortgage CalculatorsRetirement Planning Tools
๐Ÿ’ฐ Finance
(46)
ad-supported
7
Credit Card Debt Payoff Calc
Credit Card Debt Payoff Calc
Credit Card Debt Payoff Calc
Payoff your credit card debt
Free

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.

Debt payoff goal settingMonthly payment inputAmortization schedule generation
๐Ÿ’ฐ Finance
(5)
free
8
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
๐Ÿ’ฐ Finance
(2.3K)
free with in-app purchases
9
Changed: Debt Payoff Planner
Changed: Debt Payoff Planner
Changed: Debt Payoff Planner
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
๐Ÿ’ฐ Finance
(5.3K)
free with in-app purchases
10
Debtor Debt Pay Off Calculator
Debtor Debt Pay Off Calculator
Debtor Debt Pay Off Calculator
Helps visualize debt costs.
Free

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.

Per-Month debt interest calculationBy-Months loan amortizationVisualize credit card costs
๐Ÿ’ฐ Finance
(44)
ad-supported
11
Credit Card Calculator
Credit Card Calculator
Credit Card Calculator
Credit Card Payoff Calculator
$1.99
๐Ÿ’ฐ Finance
(0)
12
Bright: Loans & Credit Builder
Bright: Loans & Credit Builder
Bright: Loans & Credit Builder
AI Loan Asst > Credit & Loans
Free

Access cash advances up to $750 with no credit check and no interest. Explore loan offers up to $10,000 with no score impact. Rebuild your credit history through on-time payments and rent reporting, and receive AI-driven budgeting and debt-payoff plans.

Cash advance up to $750Loan offers up to $10,000Credit history rebuilding
๐Ÿ’ฐ Finance
(248K)
subscription
13
Kovo - Fast Credit Builder
Kovo - Fast Credit Builder
Kovo - Fast Credit Builder
Grow Your Score & Earn Rewards
Free

Build your credit history with a simple, user-friendly platform. This app offers a credit builder program with no credit checks or fees, reporting to all four major bureaus. You can also track your FICO score, earn cash rewards, and access credit protection services.

Credit builder programNo credit check or feesReports to all 4 bureaus
๐Ÿ’ฐ Finance
(9.6K)
free with in-app purchases
14
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
๐Ÿ’ฐ Finance
(3.3K)
subscription
15
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
๐Ÿ’ฐ Finance
(7)
free with in-app purchases
16
Kikoff โ€“ย Build Credit Quickly
Kikoff โ€“ย Build Credit Quickly
Kikoff โ€“ย Build Credit Quickly
Grow & Track Your Credit
Free

Build credit quickly and effectively with this app. It reports your on-time payments to major credit bureaus, helping to improve your credit score. Offers plans starting at $5 per month with no credit checks or interest.

Build credit quicklyReports to Equifax, Experian, TransUnionPlans starting at $5/month
๐Ÿ’ฐ Finance
(253K)
free with in-app purchases
17
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
๐Ÿ’ฐ Finance
(1K)
free with in-app purchases
18
Loan Calculatorโ€ฐ
Loan Calculatorโ€ฐ
Loan Calculatorโ€ฐ
Simple Loan Calculator
Free

Easily calculate loan or mortgage payments. Simply input the loan amount, repayment term, and interest rate to get your estimated monthly payment.

Loan calculationMortgage calculationAmount input
๐Ÿ’ฐ Finance
(96K)
ad-supported
19
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
๐Ÿ’ฐ Finance
(130)
free
20
Capital One CreditWise
Capital One CreditWise
Capital One CreditWise
Your credit score, simplified
Free

Monitor your credit score and report for free. Get alerts for suspicious activity, understand factors affecting your score, and simulate financial decisions to see their potential impact. Tools are provided to help you manage and improve your credit health.

Free FICOยฎ Score 8 accessTransUnionยฎ credit report accessDark web alerts for identity theft
๐Ÿ’ฐ Finance
(307K)
free