Best Debt Payoff Mortgage Apps

221+ iOS apps curated and reviewed

4.5 avg rating
18 free apps
Updated June 2026

Looking for free debt payoff mortgage apps? 18 of our 221+ tracked titles are free to download β€” no subscription, no trial. The rest are premium picks worth paying for.

Top Picks for Debt Payoff Mortgage

Debt Payoff Planner & Tracker#1

Debt Payoff Planner & Tracker by OxbowSoft LLC

Debt Free Snowball Calculator
Editor's Choice
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 Payoff Box: Snowball Plan#2

Debt Payoff Box: Snowball Plan by Natalia Alekseenko

Loan Tracker and Planner
Strong Contender
πŸ’° Finance
4.5😞(2.3K ratings)
FreeIn-App Purchases
Debt Payoff Box: Snowball Plan screenshot 1
Debt Payoff Box: Snowball Plan screenshot 2
Debt Payoff Box: Snowball Plan screenshot 3
Debt Payoff Box: Snowball Plan screenshot 4
Debt Payoff Box: Snowball Plan screenshot 5

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.

What We Love

  • πŸ‘ Simple and easy to use
  • πŸš€ Helpful for debt planning
  • πŸš€ Straightforward layout
  • πŸš€ Provides amortization schedules

Room to Improve

  • πŸ› Buggy and glitchy
  • πŸ’° Requires paid upgrade for basic features
  • πŸ”’ No cloud sync or backup
Loan Calculator - Debt Planner#3

Loan Calculator - Debt Planner by Michael Chu

Mortgage, Car, School, Payday
Worth Considering
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

More Debt Payoff Mortgage apps to explore

4
Mortgage Pal - Loan Calculator
Mortgage Pal - Loan Calculator
Mortgage Pal - Loan Calculator
Payment compound interest rate
Free

This comprehensive mortgage toolkit helps users make informed home buying decisions. It offers multiple calculators for payments, affordability, refinancing, and closing costs, along with tools to visualize rate trends and compare renting versus buying.

Mortgage Payment CalculatorMortgage Affordability CalculatorMortgage Refinance Calculator
πŸ’° Finance
(3.4K)
free
5
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
6
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
7
Lakeview Mortgage
Lakeview Mortgage
Lakeview Mortgage
Your mortgage on the go.
Free

Manage your home loan finances with ease. This app allows you to make payments, review statements, set up autopay, and track your loan details. Access your mortgage information and agent assistance 24/7 for convenient account management.

Make loan paymentsReview monthly statementsSetup AutoPay
πŸ’° Finance
(20K)
free
8
Cenlar Mobileβ„’
Cenlar Mobileβ„’
Cenlar Mobileβ„’
Manage your mortgage on the go
Free

Manage your home loan conveniently and securely from your mobile device. Make payments, check balances, view statements, and sign up for automatic payments. Utilize calculators to explore interest savings and faster payoff options.

Make mortgage paymentsCheck account balanceView statements
πŸ’° Finance
(16K)
free
9
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
10
PayOff Pro: Mortgage Tracker
PayOff Pro: Mortgage Tracker
PayOff Pro: Mortgage Tracker
Extra Payments & Debt Free
Free

Understand the true cost of your mortgage and discover strategies to pay it off faster. Track extra payments, visualize interest savings, and monitor your debt-free countdown with detailed analytics and exportable schedules.

Savings Reveal for total interest costExtra payment trackingFull amortization schedule
πŸ’° Finance
(8)
subscription
11
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
πŸ’° Finance
(18K)
free
12
OneMain
OneMain
OneMain
Personal & Auto Loans
Free

Manage your personal or auto loan on the go. Make payments, set up automatic payments, and receive paperless statements and alerts. You can also monitor your credit score and track your spending to potentially save money.

Make loan paymentsSet up AutoPaySign up for paperless statements
πŸ’° Finance
(80K)
free
13
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
πŸ’° Finance
(809)
ad-supported
14
Debt Payoff Planner - Snowball
Debt Payoff Planner - Snowball
Debt Payoff Planner - Snowball
Repay Loan Tracker, Calculator
Free

Easily manage all your loans in one place to become debt-free faster. Visualize interest savings and track progress with smart payment strategies. Build healthy financial habits and stop overpaying interest.

Track all loans in one placeVisualize interest and time savingsSmart payment strategies (snowball method)
πŸ’° Finance
(20)
free with in-app purchases
15
Mortgage Payoff Track
Mortgage Payoff Track
Mortgage Payoff Track
by Yutaka Onizuka
Free

Monitor your mortgage payoff progress and additional principal payments. Visualize your loan reduction and interest savings with customizable graphs. Supports various payment frequencies and data import/export.

Track additional principal paymentsVisualize loan progress with graphsCalculate interest savings
πŸ’° Finance
(55)
ad-supported
16
RECalc Mortgage Calculator
RECalc Mortgage Calculator
RECalc Mortgage Calculator
Mortgage/loan calculator
Free

Calculate mortgage payments, loan amounts, interest rates, and terms. This app also functions as a standard calculator and supports semi-annual compounding. View loan summaries and amortization tables, and email or save your calculations.

Calculate monthly payment, term, interest rate, loan amountStandard mathematical calculationsSemi-annual compounding support
πŸ’° Finance
(2.6K)
free with in-app purchases
17
My LoanCare Go
My LoanCare Go
My LoanCare Go
Your mortgage on the go.
Free

Manage your mortgage loan servicing with ease. This app allows homeowners to make payments, review statements, track finances, and set up autopay. Access important documents and manage paperless billing conveniently from your mobile device.

Make loan paymentsReview monthly statementsSetup AutoPay
πŸ’° Finance
(25K)
free
18
Mortgage Calculator 2.0
Mortgage Calculator 2.0
Mortgage Calculator 2.0
Realtor & Zillow #1 Tool
Free

This app helps homebuyers, homeowners, and real estate professionals make informed financial decisions about mortgages. It offers tools to calculate and compare loan options, visualize repayment plans, and explore the impact of extra payments.

User-friendly interfaceHome loan calculationsAmortization schedules
πŸ’° Finance
(437)
free with in-app purchases
19
Payoff β€” Debt Tracker
Payoff β€” Debt Tracker
Payoff β€” Debt Tracker
Crush debt. Keep more money.
Free
πŸ’° Finance
(0)
20
Paidback: Debt help
Paidback: Debt help
Paidback: Debt help
Debt calculator & planner
Free

This app helps you manage and pay off debt faster with tools and motivation. Connect with others on a similar journey for encouragement and celebrate milestones together. It offers calculators and resources to save money while becoming debt-free.

Debt payoff calculatorsSocial sharing and encouragementDebt management tools
πŸ’° Finance
(27)
free with in-app purchases