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

#1

Debt Payoff Planner & Tracker by OxbowSoft LLC

Debt Free Snowball Calculator

Editor's Choice

💰 Finance

4.7😊(6.7K ratings)

FreeAdsIn-App Purchases

#66in Finance

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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

#2

DebtApp by DebtApp, LLC

Strong Contender

💰 Finance

4.0(54 ratings)

Free

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Manage unsecured debt and track savings with this finance app. View negotiated settlement offers from creditors and stay on top of your financial goals.

#3

Debt Snowball - Payoff Planner by Polybit Studio Pty Ltd

Credit card & payment tracker

Worth Considering

💰 Finance

4.7😞(1K ratings)

FreeIn-App Purchases

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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.

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

Freedom Debt Relief

Freedom Debt Relief

Client Dashboard

Manage your debt relief plan efficiently with instant notifications for settlement offers. Track deposits, balances, and savings, and stay updated on active settlements. Access your online dashboard for more resources.

Instant settlement offer notificationsReview and authorize offersView upcoming deposits and balances

Debt Payoff Box: Snowball Plan

Debt Payoff Box: Snowball Plan

Loan Tracker and Planner

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

free with in-app purchases

Rocket Money - Bills & Budgets

Rocket Money - Bills & Budgets

Subscription & Expense Manager

This personal finance app helps you manage your money by tracking expenses, creating budgets, and automating savings. It also finds and cancels forgotten subscriptions and negotiates lower rates on your existing bills.

Cancel forgotten subscriptionsNegotiate lower billsTrack monthly expenses

free with in-app purchases

Changed: Debt Payoff Planner

Changed: Debt Payoff Planner

Track Debt, Pay It Down Faster

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

free with in-app purchases

Relief: Get out of debt

Relief: Get out of debt

Reduce your credit card debt

This app helps users reduce their credit card debt by negotiating with creditors and stopping collection harassment. It aims to settle debts for less, potentially reducing balances by up to 60%, and offers legal support throughout the process.

Debt eligibility analysisReduction request submissionStop collection calls

free with in-app purchases

Never worry about money again

This app helps users gain control of their finances by creating flexible spending plans, tracking expenses, and managing debt. It aims to reduce financial stress and empower users to reach their goals. Features include account linking, manual transaction entry, and collaborative planning for multiple users.

Create and share unlimited spending plansAutomatically import transactionsManually add transactions

EveryDollar: Budget Management

EveryDollar: Budget Management

Track Income, Bills & Spending

This app helps you create custom budgets, track expenses, and manage your money effectively. It aims to reveal hidden savings and empower you to pay off debt, build wealth, and achieve your financial goals.

Create custom budgetsTrack expenses and transactionsManage bills and income

free with in-app purchases

Gauss: Payoff Credit Card Debt

Gauss: Payoff Credit Card Debt

Manage Debt, Credit & Budget

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

Goodbudget Budget Planner

Goodbudget Budget Planner

Money & Expense Tracker

This app helps you manage your finances and plan your spending using a virtual envelope system. Track expenses, monitor debt, and gain insights with helpful reports. Share your budget with family or friends across multiple devices.

Virtual envelope budgetingShared budgetsExpense tracking

Debt Free –Pay Off Debt Faster

Debt Free –Pay Off Debt Faster

With Debt Snowball Method

$0.99 | 100% OFF

This app helps you organize, monitor, and pay off your debts using the debt snowball method. Analyze repayment models to predict your debt-free date and save time and money. Includes built-in calculators for monthly payments, loans, and mortgages.

Debt organization and monitoringDebt snowball payoff methodDebt repayment modeling

free with in-app purchases

Bright: Loans & Credit Builder

Bright: Loans & Credit Builder

AI Loan Asst > Credit & Loans

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

Debt Guide - Payoff Planner

Debt Guide - Payoff Planner

Snowball Calculator & Tracker

Manage and track multiple debts with a personalized repayment plan. Utilize proven strategies like Snowball and Avalanche to pay off loans and credit cards faster. Visualize your progress with charts and receive payment reminders to stay on track.

Personalized debt repayment plansSnowball and Avalanche payoff methodsTrack multiple loans and credit cards

NerdWallet: Smart Money App

NerdWallet: Smart Money App

Track, Save & Invest

This app helps you manage your finances by tracking spending, monitoring bills, and providing insights into your credit score and cash flow. It also offers opportunities to earn interest on cash, invest in Treasury Bills, and automate investments.

Track cash, investments, credit cards, loans, and propertyMonitor and cancel recurring bills and subscriptionsActionable financial insights on credit score and cash flow

free with in-app purchases

Buddy: Budget Planner App

Buddy: Budget Planner App

Money Manager & Tracker

This app helps you create and manage personal or shared budgets. Track expenses, connect your bank account for automatic transaction import, and gain a clear overview of your spending, income, and savings. It also features tools to split costs and settle up with others.

Create personal budgetsShared budgeting for couples/groupsConnect bank accounts for transaction import

free with in-app purchases

Debt & Bill Tracker – Saldo

Debt & Bill Tracker – Saldo

Payments Planner & Reminder

This app helps you manage debts, loans, and finances with features like joint tracking, payment reminders, and detailed analytics. It provides a secure way to organize your financial obligations and maintain a history of paid debts.

Joint debt trackingDebt and loan groupingStatistics and analytics

free with in-app purchases

Debt Master Payoff Planner

Debt Master Payoff Planner

Debt Payoff Planner & Tracker

Organize and manage all your personal debts, including mortgages, auto loans, and credit cards. Optimize your repayment with smart strategies like Snowball and Avalanche to reduce interest and achieve financial freedom faster.

Comprehensive debt managementMultiple repayment strategies (Snowball, Avalanche, Fixed, Cascade)Insightful forecasts and analytics

free with in-app purchases

OweMe - Debt Tracker

OweMe - Debt Tracker

Keep track of your money

Easily track money owed to you with this intuitive debt manager. It provides a clear overview of all outstanding debts and sends reminders for unpaid amounts, ensuring you always know where your money is.

Track who owes you moneyReminders for unpaid debtsOverview of outstanding debts

Related searches

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