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Best Debt Management Apps

209+ iOS apps curated and reviewed

4.7 avg rating
19 free apps
Updated June 2026

Looking for free debt management apps? 19 of our 209+ tracked titles are free to download — no subscription, no trial. The rest are premium picks worth paying for.

Top Picks for Debt Management

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
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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
Freedom Debt Relief#2

Freedom Debt Relief by Freedom Debt Relief LLC

Client Dashboard
Strong Contender
💰 Finance
4.9😊(16K ratings)
Free
Freedom Debt Relief screenshot 1
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Freedom Debt Relief screenshot 6

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.

What We Love

  • 👍 Stress-free and easy to use
  • 👍 Professional and responsible service
  • 👍 Excellent customer service
  • 👍 Custom debt settlement plan based on income and expenses

Room to Improve

  • 🐛 App does not accurately reflect account information
  • 💰 20% service fee, which can be costly
Clerkie Payoff Debt Bills Fees#3

Clerkie Payoff Debt Bills Fees by Henry Labs Inc

Loan Money Build Credit Budget
Worth Considering
💰 Finance
4.8😞(2.8K ratings)
Free
Clerkie Payoff Debt Bills Fees screenshot 1
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This finance app called Clerkie helps you manage and pay off debt efficiently, while also offering personalized loans, credit card recommendations, credit score monitoring, and budgeting tools. It provides bank-level security and features like debt negotiation, budget tracking, subscription management, and loan options to improve credit scores. Join now to take control of your finances!

What We Love

  • 💰 Helps pay off debt
  • 🆙 Improves credit score
  • 🤖 Helpful AI assistant
  • 🏠 Useful for home buying

Room to Improve

  • 🔍 Difficult to access account/withdraw funds
  • ❌ Lack of customer support
  • 🕰️ App abandoned and not updated

More Debt Management apps to explore

4
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)
5
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)
6
Debt Master Payoff Planner
Debt Master Payoff Planner
Debt Master Payoff Planner
Debt Payoff Planner & Tracker
Free
💰 Finance
(1)
7
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)
8
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)
9
Debt Snowball - Payoff Planner
Debt Snowball - Payoff Planner
Debt Snowball - Payoff Planner
Credit card & payment tracker
Free

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.

💰 Finance
(1K)
10
My Debt Manager & Tracker
My Debt Manager & Tracker
My Debt Manager & Tracker
Track and Manage Debts & Loans
Free

This application helps you track and manage debts and loans in one place, offering features like automatic data backup, recurring payments, and multi-currency support. By using this app, you can easily record, track, and manage your debts, and take control of your financial situation with ease.

💰 Finance
(5)
11
Achieve GOOD: Get Out Of Debt
Achieve GOOD: Get Out Of Debt
Achieve GOOD: Get Out Of Debt
Debt Relief & budget app
Free

Track and manage your debts effectively with this user-friendly app. Stay on top of your financial goals and progress towards becoming debt-free. Download now to take control of your finances!

💰 Finance
(809)
12
Debt Manager
Debt Manager
Debt Manager
Get Out of Debt Fast
$0.99

Manage and eliminate debt efficiently with this top-ranked finance app in the US. Take control of your finances and achieve financial freedom faster.

💰 Finance
(546)
13
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)
14
Buddy: Money & Budget Planner
Buddy: Money & Budget Planner
Buddy: Money & Budget Planner
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
(589)
15
Sono: Debt tracker and manager
Sono: Debt tracker and manager
Sono: Debt tracker and manager
Record & Track Debts
Free

This debt management tool helps you easily track and record borrowed and lent money, providing a clear summary of your debts and offering features like multiple currency support, reminders, and data security. Download the app to efficiently manage your financial activities related to debts and take control of your finances today!

💰 Finance
(20)
16
RX – Debt Collection Manager
RX – Debt Collection Manager
RX – Debt Collection Manager
by APPSERNET S.A.S
Free
💰 Finance
(0)
17
EzDebt Book - Debt Manager
EzDebt Book - Debt Manager
EzDebt Book - Debt Manager
Manage your daily debts.
Free

This debt management application helps users track loans, manage payments, and secure financial records with tools for personal and business use. It allows users to organize contacts and transactions, set reminders, and view cash flow calendars, making it easier to stay on top of finances and get back in control.

💰 Finance
(3)
18
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
(945)
19
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)
20
My debts manager
My debts manager
My debts manager
manage your debts and loans
Free

Easily manage your debts, loans, and expenses with this app, keeping full control of your personal finances and tracking transactions with friends, family, or clients. Stay organized and avoid forgetfulness with features like credit tracking, personalized alerts, and secure data access, and try it out today!

💼 Business
(56)

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