Best Debt Apps

239+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated May 2026

Out of 239+ debt apps on iOS, 20 are free and the rest sit in the paid tier. This page sorts them so you can compare both sides before you commit.

Top Picks for Debt

Debt Payoff Planner & Tracker#1

Debt Payoff Planner & Tracker by OxbowSoft LLC

Debt Free Snowball Calculator
Editor's Choice
💰 Finance
4.7😊(6.7K ratings)
FreeAdsIn-App Purchases
#76in 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

Control your finances with ease using an innovative debt payoff planner app. Effortlessly manage and track your debts, set personalized repayment goals, and stay on top of your financial well-being. Take charge of your financial future today!

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
DebtApp#2

DebtApp by DebtApp, LLC

Strong Contender
💰 Finance
4.0(53 ratings)
Free
DebtApp screenshot 1
DebtApp screenshot 2
DebtApp screenshot 3
DebtApp screenshot 4
DebtApp screenshot 5

This mobile application helps users manage their unsecured debt and savings by providing a clear overview and offering tools to settle debts with creditors through negotiated offers. Download the app to take control of your finances and start working towards a debt-free future.

Debt Snowball - Payoff Planner#3

Debt Snowball - Payoff Planner by Polybit Studio Pty Ltd

Credit card & payment tracker
Worth Considering
💰 Finance
4.7😞(1K ratings)
FreeIn-App Purchases
Debt Snowball - Payoff Planner screenshot 1
Debt Snowball - Payoff Planner screenshot 2
Debt Snowball - Payoff Planner screenshot 3
Debt Snowball - Payoff Planner screenshot 4
Debt Snowball - Payoff Planner screenshot 5
Debt Snowball - Payoff Planner screenshot 6

A debt payoff app that uses the snowball method to help users tackle their debts strategically. Start managing your debts effectively today with this intuitive planner.

What We Love

  • 👍 Simple and easy-to-use interface
  • 🚀 Straightforward debt tracking
  • 💡 Debt payment strategies
  • 🔒 Secure data storage

Room to Improve

  • 🐛 Bugs and glitches
  • 💰 Paid features not worth the cost
  • 🔍 Limited functionality for the price

More Debt apps to explore

4
Freedom Debt Relief
Freedom Debt Relief
Freedom Debt Relief
Client Dashboard
Free

Track your debt relief plan with ease using our client dashboard app. Get instant notifications on settlement offers, view detailed financial information, and stay updated on your progress. Download now to start your journey towards financial freedom.

💰 Finance
(17K)
5
Debt Payoff Box: Snowball Plan
Debt Payoff Box: Snowball Plan
Debt Payoff Box: Snowball Plan
Loan Tracker and Planner
Free

"Navigate your journey to financial freedom with Debt Free Box: Snowball Payoff, an easy-to-use app for managing and paying off debts. Simply set up your payoff plan and enjoy features like the snowball method, fast forward option, and detailed payment schedule. Take control of your debts and install the app now for free!"

💰 Finance
(2.3K)
6
Rocket Money - Bills & Budgets
Rocket Money - Bills & Budgets
Rocket Money - Bills & Budgets
Subscription & Expense Manager
Free

Rocket Money helps you effortlessly manage your bills, track payments, and stay on top of your finances. Take control of your budget today with Rocket Money!

💰 Finance
(356K)
7
Changed: Debt Payoff Planner
Changed: Debt Payoff Planner
Changed: Debt Payoff Planner
Track Debt, Pay It Down Faster
Free

Automate debt payoff with an app that rounds up your spare change to help you pay off credit cards, loans, and more. Save money effortlessly and accelerate your journey to a debt-free life with Stash My Cash. Join the Payoff Debt Revolution and start saving thousands today!

💰 Finance
(5.2K)
8
Relief: Get out of debt
Relief: Get out of debt
Relief: Get out of debt
Reduce your credit card debt
Free

Reduce overdue debt with ease using our innovative application, designed to help you manage and alleviate financial burdens. Take control of your debt today!

💰 Finance
(1.4K)
9
YNAB
YNAB
YNAB
Never worry about money again
Free

Start changing your money mindset with a set of habits to spend purposefully, save aspirationally, and give generously. Join millions in improving your financial outlook and sign up for a one-month free trial today!

💰 Finance
(60K)
10
EveryDollar: Budget Management
EveryDollar: Budget Management
EveryDollar: Budget Management
Track Income, Bills & Spending
Free

Track expenses, plan finances, and reach your financial goals with a personal budget app that helps you manage your money easily and guilt-free. Start for free today to create budgets, monitor spending, and see all your financial accounts in one place.

💰 Finance
(84K)
11
Gauss: Payoff Credit Card Debt
Gauss: Payoff Credit Card Debt
Gauss: Payoff Credit Card Debt
Manage Debt, Credit & Budget
Free

Simplify debt management and track credit card payoff progress with a user-friendly application designed to streamline financial tracking and goal achievement. Take control of your finances today.

💰 Finance
(3.1K)
12
Goodbudget Budget Planner
Goodbudget Budget Planner
Goodbudget Budget Planner
Money & Expense Tracker
Free

A user-friendly budget planner app that helps you track expenses, set financial goals, and manage your money efficiently. Take control of your finances and start budgeting today!

💰 Finance
(13K)
13
Debt Free –Pay Off Debt Faster
Debt Free –Pay Off Debt Faster
Debt Free –Pay Off Debt Faster
With Debt Snowball Method
Free
$0.99 | 100% OFF

A comprehensive debt management app utilizing the Debt Snowball method, featuring various tools like quick debt summaries, progress bars, payment due date reminders, and multiple payoff strategies. Users can track multiple debts, analyze repayment scenarios, and sync data across devices. Embark on your journey to financial freedom with Debt Free - Pay Off your Debt app!

💰 Finance
(955)
14
Bright: Loans & Credit Builder
Bright: Loans & Credit Builder
Bright: Loans & Credit Builder
AI Loan Asst > Credit & Loans
Free

Manage multiple debts easily with the Bright App's AI-powered features. Consolidate debts, build credit, create personalized money management plans, and access expert finance guidance, all for less than $10 a month. Join over 1 million satisfied customers and experience the benefits today!

💰 Finance
(248K)
15
Debt Guide - Payoff Planner
Debt Guide - Payoff Planner
Debt Guide - Payoff Planner
Snowball Calculator & Tracker
Free

Debt Payoff Planner Tracker: The ultimate app to take control of your finances and become debt-free faster. Manage, track, and pay off multiple debts using proven strategies like the Snowball and Avalanche methods. Enjoy a seamless, ad-free experience with personalized repayment plans, payment reminders, and insightful analytics to help you achieve financial freedom.

💰 Finance
(35)
16
NerdWallet: Smart Money App
NerdWallet: Smart Money App
NerdWallet: Smart Money App
Track, Save & Invest
Free

Track and manage your finances efficiently with a comprehensive money management app. Stay on top of your credit score, budget, and financial goals with ease. Start taking control of your money today!

💰 Finance
(124K)
17
Buddy: Budget Planner App
Buddy: Budget Planner App
Buddy: Budget Planner App
Money Manager & Tracker
Free

Manage your finances efficiently with our intuitive budget planner app. Track expenses, set savings goals, and stay on top of your financial health easily. Take control of your money today!

💰 Finance
(9.2K)
18
Debt & Bill Tracker – Saldo
Debt & Bill Tracker – Saldo
Debt & Bill Tracker – Saldo
Payments Planner & Reminder
Free

Track and manage your debts easily with our financial management assistant! Organize loans, track payments, set reminders, and stay on top of your finances effortlessly. Download now to simplify your financial life and enjoy peace of mind.

💼 Business
(260)
19
Debt Master Payoff Planner
Debt Master Payoff Planner
Debt Master Payoff Planner
Debt Payoff Planner & Tracker
Free
💰 Finance
(1)
20
OweMe - Debt Tracker
OweMe - Debt Tracker
OweMe - Debt Tracker
Keep track of your money
Free

Track and manage your debts efficiently with an intuitive debt manager app that reminds you of unpaid debts and provides an overview of all outstanding amounts. Upgrade to unlock pro features and choose from various subscription options for enhanced functionality.

🔧 Utilities
(289)

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