Best Debt Funds Apps

0+ iOS apps curated and reviewed

4.5 avg rating
17 free apps
Updated July 2026

Every iPhone needs a few good debt funds apps. We benchmark 0+ of them on App Store rating, freshness, and pricing, then surface the standouts so you don't have to scroll the App Store yourself.

Compare top Debt Funds Apps (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1AmericorAmericorFree4.6★ (1.3K)NoNoAug 2026
2Changed: Automate Debt PayoffChanged: Automate Debt PayoffFree4.6★ (5.4K)YesNoAug 2026
3Relief: Get out of debtRelief: Get out of debtFree4.6★ (2.5K)NoNoAug 2026
4Freedom Debt ReliefFreedom Debt ReliefFree4.9★ (20K)NoNoAug 2026
5Ditch: Pay Off Debt FasterDitch: Pay Off Debt FasterFree4.8★ (1.5K)YesYesAug 2026
6Debt Free –Pay Off Debt FasterDebt Free –Pay Off Debt FasterFree was $0.994.1★ (997)NoYesAug 2026
7CreditProbe - Personal fundsCreditProbe - Personal fundsFree5.0★ (4)NoNoAug 2026
8Gauss: Payoff Credit Card DebtGauss: Payoff Credit Card DebtFree4.9★ (3.7K)NoNoAug 2026

Top Picks for Debt Funds

Americor#1

Americor by Americor Funding, Inc

Editor's Choice
💰 Finance
4.6😞(1.3K ratings)
Free
Americor screenshot 1
Americor screenshot 2
Americor screenshot 3
Americor screenshot 4
Americor screenshot 5
Americor screenshot 6

Manage your finances and track debt settlement progress with this app. Easily view upcoming payments, upload documents, and receive account notifications. Designed to help consumers restructure debt and find lower-cost consolidation loans.

What We Love

  • 🙌 Changed my life
  • 💰 Saved money
  • 👍 Great company

Room to Improve

  • 💸 Expensive fees
  • 🤯 Stressful experience
  • 🚨 Untrustworthy
Changed: Automate Debt Payoff#2

Changed: Automate Debt Payoff by Changed Inc.

Track Debt, Pay It Down Faster
Strong Contender
💰 Finance
4.6😐(5.4K ratings)
FreeAds
Changed: Automate Debt Payoff screenshot 1
Changed: Automate Debt Payoff screenshot 2
Changed: Automate Debt Payoff screenshot 3
Changed: Automate Debt Payoff screenshot 4
Changed: Automate Debt Payoff screenshot 5
Changed: Automate Debt Payoff screenshot 6

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.

What We Love

  • 🚀 Helpful in paying off loans
  • 💡 Automatic debt payments
  • 👍 Easy to use
  • 🤑 Saves money without noticing

Room to Improve

  • 🐛 Connectivity issues with accounts
  • 🕰️ Slow payment processing
  • 💸 Subscription fees
Relief: Get out of debt#3

Relief: Get out of debt by Relief Technologies incorporated

Reduce your credit card debt
Worth Considering
💰 Finance
4.6😊(2.5K ratings)
Free
Relief: Get out of debt screenshot 1
Relief: Get out of debt screenshot 2
Relief: Get out of debt screenshot 3
Relief: Get out of debt screenshot 4
Relief: Get out of debt screenshot 5
Relief: Get out of debt screenshot 6

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.

What We Love

  • 🚀 Fast and efficient
  • 💰 Significant debt reduction
  • 👍 Easy to use
  • 🙏 Helpful customer service

Room to Improve

  • 🐛 Login and app issues
  • ❌ Doesn't work with all creditors
  • 💰 Expensive fees

More Debt Funds apps to explore

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

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
💰 Finance
(20K)
free
5
Ditch: Pay Off Debt Faster
Ditch: Pay Off Debt Faster
Ditch: Pay Off Debt Faster
Automate Payoff & Track Debt
Free

Effortlessly pay down debt with automated roundups from your purchases. Track all your loans, gain personalized insights from an AI assistant, and discover debt-friendly budgeting strategies to reach your financial goals faster.

Automated purchase roundups to debtSmart debt tracking and progress visualizationAI financial assistant for insights
💰 Finance
(1.5K)
free with in-app purchases
6
Debt Free –Pay Off Debt Faster
Debt Free –Pay Off Debt Faster
Debt Free –Pay Off Debt Faster
Debt Snowball & Payoff Tracker
Free
$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
💰 Finance
(997)
free with in-app purchases
7
CreditProbe - Personal funds
CreditProbe - Personal funds
CreditProbe - Personal funds
Turn Debt into Savings
Free

Effortlessly manage your income, spending, and savings with this comprehensive expense tracking tool. Monitor daily expenses, track credit card balances, and analyze financial habits with smart charts and reports. Stay on top of bills with timely reminders and alerts for a clearer financial picture.

Expense & Income TrackingCredit Card & Wallet ManagementSmart Analytics & Reports
🔧 Utilities
(4)
free
8
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
💰 Finance
(3.7K)
subscription
9
Debt Payoff Planner & Tracker
Debt Payoff Planner & Tracker
Debt Payoff Planner & Tracker
Debt Free Snowball Calculator
Free

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.

Customized debt repayment scheduleDebt Snowball payoff strategyDebt Avalanche payoff strategy
💰 Finance
(7.2K)
free with in-app purchases
10
Credit Genie: Get Cash Advance
Credit Genie: Get Cash Advance
Credit Genie: Get Cash Advance
Fast money between paydays
Free

Access quick cash advances up to $150 without interest, credit checks, or late fees. Track spending, manage budgets, and receive overdraft alerts. The app also helps identify and cancel recurring subscriptions and offers access to credit and debt management tools.

Cash advance up to $150No interest or credit checkSpending tracking
💰 Finance
(119K)
free with in-app purchases
11
Achieve GOOD: Get Out Of Debt
Achieve GOOD: Get Out Of Debt
Achieve GOOD: Get Out Of Debt
Debt Relief & budget app
Free

This app helps you track spending and create a personalized plan to get out of debt faster. Gain insights into your financial habits and see estimated timelines for becoming debt-free. It allows you to prioritize debt repayment and explore potential debt solutions.

Track spendingCreate debt payoff plansView financial insights
💰 Finance
(809)
ad-supported
12
Kuvera by CRED: Mutual Funds
Kuvera by CRED: Mutual Funds
Kuvera by CRED: Mutual Funds
Direct MFs, SIPs, FDs, Surplus
Free

This app simplifies online investing by offering a single platform for mutual funds, fixed deposits, and stock market investments. It provides tools for financial planning, goal setting, and family accounts, along with smart analytics to help users make informed decisions and grow their wealth.

Mutual fund SIPs and lump sum investmentsOnline fixed deposit bookingStock market trading on NSE/BSE
💰 Finance
(160)
free with in-app purchases
13
Clerkie Payoff Debt Bills Fees
Clerkie Payoff Debt Bills Fees
Clerkie Payoff Debt Bills Fees
Loan Money Build Credit Budget
Free

This app helps you manage your finances, budget effectively, and pay off debts faster. It offers tools to negotiate debt, find personalized loan offers, and monitor your credit score. Achieve financial freedom with a smart, secure, and free money management solution.

Negotiate and erase debtAutomated budgetingPersonal loan shopping
💰 Finance
(2.8K)
free
14
Pay Off Debt by Jackie Beck
Pay Off Debt by Jackie Beck
Pay Off Debt by Jackie Beck
Your best debt payoff plan
$4.99

This app helps you create and stick to a debt payoff plan using methods like debt snowball or avalanche. Visualize your progress and stay motivated on your journey to becoming debt-free.

Debt payoff planningDebt snowball methodDebt avalanche method
💰 Finance
(34)
paid
15
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
💰 Finance
(258K)
subscription
16
US Debt Now - National Debt
US Debt Now - National Debt
US Debt Now - National Debt
Debt clock with daily charts
Free

Track the US National Debt with daily updates and interactive charts. See historical trends over the past 30 years. A quick and easy tool for staying informed about the nation's financial status.

Daily US National Debt displayInteractive debt trending charts30-year historical debt data
💰 Finance
(840)
ad-supported
17
Debt Manager
Debt Manager
Debt Manager
Get Out of Debt Fast
$0.99

This app helps users pay off their debts faster and more efficiently. It utilizes the Debt Snowball method and offers various strategies, tracking tools, and 'what-if' scenarios to visualize progress and savings.

Debt Snowball methodMultiple payoff strategiesProgress tracking and summary
💰 Finance
(554)
paid
18
US Debt Clock .org
US Debt Clock .org
US Debt Clock .org
by Chrono Numeric Labs LLC
$4.99

Access real-time economic data for the US Federal Government, all 50 states, and the world. Explore historical financial performance, compare state debt and GDP, and view future projections. Discover detailed information on agency budgets, space programs, war costs, and more.

Real-time US and global economic dataHistorical financial performance by presidentState debt and GDP comparison
💰 Finance
(585)
free
19
Alleviate: Real Debt Relief
Alleviate: Real Debt Relief
Alleviate: Real Debt Relief
100,000+ Clients. Real Results
Free

This app helps individuals manage and reduce their debt by providing personalized plans, creditor negotiation, and progress tracking. It offers options to consolidate debt into a single lower payment or negotiate balances down directly with creditors, aiming for significant savings.

Personalized debt relief plansDebt consolidation optionsCreditor negotiation
💰 Finance
(5)
free
20
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
💰 Finance
(135)
free

FAQ about Debt Funds

What are the best debt funds apps for iPhone?
Americor tops our debt funds apps ranking as of July 2026, with a 4.6-star average from 1.3K App Store ratings, and it's free to download.
Yes — 17 of the top debt funds apps we rank are free to download, including Americor and Changed: Automate Debt Payoff.
Americor has no ads and has no in-app purchases, according to its App Store listing as of July 2026.
This app helps consumers manage their debt and financial accounts. It allows users to view upcoming payments and payment history, upload important documents, and track their progress with creditors and settlement offers.
Key features include the ability to view upcoming payments and payment history, upload documents directly through the app, monitor settlement progress with creditors, review settlement offers, and receive important account notifications.