1. Home
  2. Topics
  3. Debt Free Planner

Best Debt Free Planner Apps

250+ iOS apps curated and reviewed

3.5 avg rating
20 free apps
Updated August 2026

With an average user rating of 3.5β˜…, the debt free planner category is one of the App Store's strongest. Browse all 250+ apps we track, sorted so the most loved ones surface first.

Compare top Debt Free Planner Apps (August 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Debt Payoff Planner & TrackerDebt Payoff Planner & TrackerFree4.7β˜… (7.2K)YesYesAug 2026
2Debt Free PlannerDebt Free PlannerFreeβ€”YesNoJul 2026
3Debt Snowball - Payoff PlannerDebt Snowball - Payoff PlannerFree4.7β˜… (1.3K)NoYesAug 2026
4Debt off plannerDebt off plannerFreeβ€”NoYesJun 2026
5Debt & Loan Calculator - Pay Off Debts and LoansDebt & Loan Calculator - Pay Off Debts and LoansFree1.0β˜… (6)NoYesMay 2026
6Debt Payoff Tracking & PlannerDebt Payoff Tracking & PlannerFreeβ€”NoYesJul 2026
7ClearDebt: Snowball PlannerClearDebt: Snowball PlannerFree3.5β˜… (2)NoYesAug 2026
8ClearDebt: Debt, Money PlannerClearDebt: Debt, Money PlannerFreeβ€”YesYesAug 2026

Top Picks for Debt Free Planner

Debt Payoff Planner & Tracker#1

Debt Payoff Planner & Tracker by OxbowSoft LLC

Debt Free Snowball Calculator
Editor's Choice
πŸ’° Finance
4.7😊(7.2K ratings)
FreeAdsIn-App Purchases
#74in 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
Debt Snowball - Payoff Planner#3

Debt Snowball - Payoff Planner by Polybit Studio Pty Ltd

Credit card & payment tracker
Worth Considering
πŸ’° Finance
4.7😞(1.3K 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

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

  • πŸ‘ Simple and easy-to-use interface
  • πŸš€ Straightforward debt tracking
  • πŸ’‘ Debt payment strategies
  • πŸ”’ Secure data storage

Room to Improve

  • πŸ› Bugs and glitches
  • πŸ’° Paid features not worth the cost
  • πŸ” Limited functionality for the price

More Debt Free Planner apps to explore

4
Debt off planner
Debt off planner
Debt off planner
Debt Tracker & Repayment Plan
Free
πŸ’° Finance
(0)
5
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
πŸ’° Finance
(6)
free with in-app purchases
6
Debt Payoff Tracking & Planner
Debt Payoff Tracking & Planner
Debt Payoff Tracking & Planner
Debt Snowball Calculator
Free
πŸ’° Finance
(0)
7
ClearDebt: Snowball Planner
ClearDebt: Snowball Planner
ClearDebt: Snowball Planner
Avalanche Debt Payoff Tracker
Free

This app helps you track, manage, and eliminate various types of debt. It offers payment reminders, a payoff simulator, and progress visualizations to motivate you towards financial freedom. Premium features include budgeting and advanced analytics.

Track unlimited debtsSmart payment remindersPayoff simulator
πŸ’° Finance
(2)
free with in-app purchases
8
ClearDebt: Debt, Money Planner
ClearDebt: Debt, Money Planner
ClearDebt: Debt, Money Planner
AI Debt Tracker & Planner
Free

This app helps you visualize your debt payoff journey with simple plans using popular methods. Enter your debts and extra payments to see your projected debt-free date and track your progress as balances shrink.

Debt Snowball and Avalanche methodsVisual debt-free date projectionSimple loan tracking
πŸ’° Finance
(0)
free with in-app purchases
9
Debt Crush: Payoff Planner
Debt Crush: Payoff Planner
Debt Crush: Payoff Planner
Snowball & Avalanche Tracker
Free
πŸ’° Finance
(0)
10
Quitta: Debt Payoff Planner
Quitta: Debt Payoff Planner
Quitta: Debt Payoff Planner
Snowball & Avalanche Tracker
Free
πŸ’° Finance
(0)
11
Snowplan: Debt Payoff Planner
Snowplan: Debt Payoff Planner
Snowplan: Debt Payoff Planner
Snowball Avalanche Calculator
Free
πŸ’° Finance
(0)
12
Debt Free Fast - SmartPayoff
Debt Free Fast - SmartPayoff
Debt Free Fast - SmartPayoff
Snowball Loan & Budget Planner
Free
πŸ’° Finance
(0)
13
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
πŸ’° Finance
(5.4K)
free with in-app purchases
14
Debt Dash
Debt Dash
Debt Dash
Track your debt
Free
πŸ’° Finance
(0)
15
Runway: Debt Payoff Planner
Runway: Debt Payoff Planner
Runway: Debt Payoff Planner
Snowball & Avalanche Tracker
Free
πŸ’° Finance
(0)
16
My Simple Budget Planner - Easy Finance Tracking and Planning
My Simple Budget Planner - Easy Finance Tracking and Planning
My Simple Budget Planner - Easy Finance Tracking and Planning
by Black Cigar Apps, LLC
Free

Easily manage your finances by logging earnings and expenses, setting budget plans, and tracking spending history. Features include a currency converter, multi-currency support, and flexible time periods for detailed financial oversight. Secure your data with PIN protection.

Log earnings and expensesCreate budget plansCurrency converter
πŸ’° Finance
(14)
free with in-app purchases
17
Foresight: Financial Planner
Foresight: Financial Planner
Foresight: Financial Planner
Net Worth, Debt & Projections
Free
πŸ’° Finance
(0)
18
DebtMelt: Debt-Free Date
DebtMelt: Debt-Free Date
DebtMelt: Debt-Free Date
Snowball vs Avalanche Payoff
Free
πŸ’° Finance
(0)
19
Debt Strategy Coach
Debt Strategy Coach
Debt Strategy Coach
A payoff plan you can sustain
Free
πŸ’° Finance
(0)
20
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
πŸ’° Finance
(11)
free with in-app purchases

FAQ about Debt Free Planner

What are the best debt free planner apps for iPhone?
Debt Payoff Planner & Tracker tops our debt free planner apps ranking as of August 2026, with a 4.7-star average from 7.2K App Store ratings, and it's free to download.
Debt Payoff Planner & Tracker shows ads and offers in-app purchases, according to its App Store listing as of August 2026.
We track 250+ debt free planner apps on the iOS App Store as of August 2026, ranked by rating, recency, and analysis of real user reviews.
This app helps you create a personalized, step-by-step plan to pay off your loans. It uses your loan details and budget to generate customized repayment schedules and allows you to track your progress towards becoming debt-free.
The app supports several popular strategies including Dave Ramsey's Debt Snowball (paying off smallest balances first), Debt Avalanche (paying off highest interest rates first), Debt Snowflake (making one-time extra payments), and custom payoff plans.