Best Debt Payoff Calculator Apps

215+ iOS apps curated and reviewed

4.2 avg rating
18 free apps
Updated July 2026

Whether you're new to debt payoff calculator or looking for an upgrade, our curated collection of 215+ iOS apps has something for everyone. Each app is reviewed and rated by real users, helping you make an informed decision.

Compare top Debt Payoff Calculator Apps (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Loan Calculator - Debt PlannerLoan Calculator - Debt PlannerFree4.6β˜… (22K)YesYesJul 2026
2Debt Payoff Planner & TrackerDebt Payoff Planner & TrackerFree4.7β˜… (6.7K)YesYesJul 2026
3Debt Guide - Payoff PlannerDebt Guide - Payoff PlannerFree4.8β˜… (35)NoYesJul 2026
4Debt Payoff Box: Snowball PlanDebt Payoff Box: Snowball PlanFree4.5β˜… (2.3K)NoYesJul 2026
5Debt Payoff Plan CalculatorDebt Payoff Plan CalculatorFree3.5β˜… (130)NoNoJul 2026
6Debtor Debt Pay Off CalculatorDebtor Debt Pay Off CalculatorFree4.8β˜… (44)YesNoMay 2026
7Debt Snowball - Payoff PlannerDebt Snowball - Payoff PlannerFree4.7β˜… (1.3K)NoYesJul 2026
8Changed: Debt Payoff PlannerChanged: Debt Payoff PlannerFree4.6β˜… (5.3K)YesNoJul 2026

Top Picks for Debt Payoff Calculator

Loan Calculator - Debt Planner#1

Loan Calculator - Debt Planner by ChuChu Train Productions

Mortgage, Car, School, Payday
Editor's Choice
πŸ’° Finance
4.6😐(22K ratings)
FreeAdsIn-App Purchases
Loan Calculator - Debt Planner screenshot 1
Loan Calculator - Debt Planner screenshot 2
Loan Calculator - Debt Planner screenshot 3
Loan Calculator - Debt Planner screenshot 4
Loan Calculator - Debt Planner screenshot 5
Loan Calculator - Debt Planner screenshot 6

This app helps you understand the true cost of loans and mortgages by revealing total interest paid and payoff timelines. It allows for scenario comparisons, extra payment analysis, and detailed amortization schedules. Visualize your debt journey with graphs and access bonus calculators.

What We Love

  • πŸ‘ Easy to use
  • πŸš€ Quick calculations
  • πŸ’‘ Helpful for financial decisions
  • πŸ”’ Secure app

Room to Improve

  • πŸ” Lacking advanced features
  • πŸ’Έ Excessive ads
  • πŸ› Bugs and crashes
Debt Payoff Planner & Tracker#2

Debt Payoff Planner & Tracker by OxbowSoft LLC

Debt Free Snowball Calculator
Strong Contender
πŸ’° Finance
4.7😊(6.7K ratings)
FreeAdsIn-App Purchases
#67in 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 Guide - Payoff Planner#3

Debt Guide - Payoff Planner by Hussain Mustafa

Snowball Calculator & Tracker
Worth Considering
πŸ’° Finance
4.8(47 ratings)
FreeIn-App Purchases
Debt Guide - Payoff Planner screenshot 1
Debt Guide - Payoff Planner screenshot 2
Debt Guide - Payoff Planner screenshot 3
Debt Guide - Payoff Planner screenshot 4
Debt Guide - Payoff Planner screenshot 5
Debt Guide - Payoff Planner screenshot 6

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.

More Debt Payoff Calculator apps to explore

4
Debt Payoff Box: Snowball Plan
Debt Payoff Box: Snowball Plan
Debt Payoff Box: Snowball Plan
Loan Tracker and Planner
Free

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
πŸ’° Finance
(2.3K)
free with in-app purchases
5
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
πŸ’° Finance
(130)
free
6
Debtor Debt Pay Off Calculator
Debtor Debt Pay Off Calculator
Debtor Debt Pay Off Calculator
Helps visualize debt costs.
Free

This budgeting tool helps you visualize debt costs with two distinct calculators. One calculates per-month interest for credit cards, while the other determines amortized monthly payments over a specified period for larger loans. A comparison feature highlights potential savings or extra costs based on payment adjustments.

Per-Month debt interest calculationBy-Months loan amortizationVisualize credit card costs
πŸ’° Finance
(44)
ad-supported
7
Debt Snowball - Payoff Planner
Debt Snowball - Payoff Planner
Debt Snowball - Payoff Planner
Credit card & payment tracker
Free

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.

Add multiple debtsChoose repayment frequencyTrack payments
πŸ’° Finance
(1.3K)
free with in-app purchases
8
Changed: Debt Payoff Planner
Changed: Debt Payoff Planner
Changed: Debt Payoff Planner
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
(5.3K)
free with in-app purchases
9
Loan Calculator‰
Loan Calculator‰
Loan Calculator‰
Simple Loan Calculator
Free

Easily calculate loan or mortgage payments. Simply input the loan amount, repayment term, and interest rate to get your estimated monthly payment.

Loan calculationMortgage calculationAmount input
πŸ’° Finance
(96K)
ad-supported
10
Debt Payoff Assistant
Debt Payoff Assistant
Debt Payoff Assistant
by Steve Tran
Free

This app helps you pay off debts faster using popular methods like the debt-snowball. Track multiple debts, set custom payoff strategies, and visualize your progress with charts and reports. Get payment reminders and secure your financial data.

Debt-snowball methodMultiple debt trackingCustom payoff strategies
πŸ’° Finance
(137)
ad-supported
11
Pay Off Debt: Debt Calculator
Pay Off Debt: Debt Calculator
Pay Off Debt: Debt Calculator
Lump Sum & Prepay Calculator
Free

This tool helps you pay off loans faster by calculating the impact of extra payments. Input your debt details and see how lump sums or recurring additional payments can save you interest and shorten repayment periods.

Calculate interest paid on loansSimulate extra one-time paymentsSimulate recurring extra payments
πŸ’° Finance
(7)
free with in-app purchases
12
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
πŸ’° Finance
(1.4K)
free with in-app purchases
13
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
πŸ’° Finance
(976)
free with in-app purchases
14
Debt Payoff Planner Plus
Debt Payoff Planner Plus
Debt Payoff Planner Plus
Plan Smarter. Be Debt Free
Free
πŸ’° Finance
(0)
15
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
πŸ’° Finance
(3.4K)
subscription
16
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
17
Debt Magic: Payoff Planner
Debt Magic: Payoff Planner
Debt Magic: Payoff Planner
Snowball Loan Calculator
Free

This free financial tool helps you visualize and accelerate your debt payoff journey. Track all your loans and credit cards in one place, compare different payment strategies, and see the impact of extra payments on your total interest and payoff timeline.

Debt payoff calculatorCompare Snowball vs. Avalanche methodsVisualize extra payment impact
πŸ’° Finance
(16)
free
18
Amortization Loan Calculator
Amortization Loan Calculator
Amortization Loan Calculator
Amortization Schedule & More
Free

This tool calculates loan payments and generates detailed repayment schedules. It allows for extra payments, visualizes the repayment progress, and tracks total interest paid. Users can save multiple loans and share schedules easily.

Calculate loan paymentsGenerate repayment scheduleAdd extra payments
πŸ’° Finance
(1.1K)
free with in-app purchases
19
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
πŸ’° Finance
(34)
paid
20
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
πŸ’° Finance
(546)
paid

FAQ about Debt Payoff Calculator

What are the best debt payoff calculator apps for iPhone?
Loan Calculator - Debt Planner tops our debt payoff calculator apps ranking as of July 2026, with a 4.6-star average from 22K App Store ratings, and it's free to download.
Yes β€” 18 of the top debt payoff calculator apps we rank are free to download, including Loan Calculator - Debt Planner and Debt Payoff Planner & Tracker.
Loan Calculator - Debt Planner shows ads and offers in-app purchases, according to its App Store listing as of July 2026.
We track 215+ debt payoff calculator apps on the iOS App Store as of July 2026, ranked by rating, recency, and analysis of real user reviews.
This app helps you understand the full financial impact of loans and mortgages. It goes beyond basic monthly payments to show you the total interest you'll pay over the life of the loan, when you'll be debt-free, and how extra payments can save you money. It also provides detailed amortization schedules and visualizations of your payoff journey.
Key features include revealing total interest paid, calculating your debt-free date, analyzing savings from extra payments, providing detailed amortization schedules, allowing side-by-side comparison of multiple loan scenarios, and visualizing your payoff progress with graphs. It also includes bonus calculators for credit cards and rental properties.

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