Best Debt Payoff Mortgage Apps

212+ iOS apps curated and reviewed

4.6 avg rating
19 free apps
Updated July 2026

Looking for free debt payoff mortgage apps? 19 of our 212+ tracked titles are free to download — no subscription, no trial. The rest are premium picks worth paying for.

Compare top Debt Payoff Mortgage Apps (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Debt Payoff Planner & TrackerDebt Payoff Planner & TrackerFree4.7★ (7.2K)YesYesAug 2026
2Debt Payoff Box: Snowball PlanDebt Payoff Box: Snowball PlanFree4.5★ (2.4K)NoYesAug 2026
3Loan Calculator - Debt PlannerLoan Calculator - Debt PlannerFree4.6★ (22K)YesYesAug 2026
4Debt Snowball - Payoff PlannerDebt Snowball - Payoff PlannerFree4.7★ (1.3K)NoYesAug 2026
5Changed: Automate Debt PayoffChanged: Automate Debt PayoffFree4.6★ (5.4K)YesNoAug 2026
6Debt Payoffs TrackerDebt Payoffs TrackerFreeNoYesMay 2026
7PayOff Pro: Mortgage TrackerPayOff Pro: Mortgage TrackerFree4.5★ (8)NoYesAug 2026
8Ditch: Pay Off Debt FasterDitch: Pay Off Debt FasterFree4.8★ (1.5K)YesYesAug 2026

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
💰 Finance
4.7😊(7.2K ratings)
FreeAdsIn-App Purchases
#76in 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

  • 💯 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
Debt Payoff Box: Snowball Plan#2

Debt Payoff Box: Snowball Plan by Natalia Alekseenko

Loan Tracker and Planner
Strong Contender
💰 Finance
4.5😞(2.4K 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

  • 👍 Simple and easy to use
  • 🚀 Helpful for debt planning
  • 🚀 Straightforward layout
  • 🚀 Provides amortization schedules

Room to Improve

  • 🐛 Buggy and glitchy
  • 💰 Requires paid upgrade for basic features
  • 🔒 No cloud sync or backup
Loan Calculator - Debt Planner#3

Loan Calculator - Debt Planner by ChuChu Train Productions

Mortgage, Car, School, Payday
Worth Considering
💰 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

  • 👍 Easy to use
  • 🚀 Quick calculations
  • 💡 Helpful for financial decisions
  • 🔒 Secure app

Room to Improve

  • 🔍 Lacking advanced features
  • 💸 Excessive ads
  • 🐛 Bugs and crashes

More Debt Payoff Mortgage apps to explore

4
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
💰 Finance
(1.3K)
free with in-app purchases
5
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
💰 Finance
(5.4K)
free with in-app purchases
6
Debt Payoffs Tracker
Debt Payoffs Tracker
Debt Payoffs Tracker
Student, Auto & Mortgage Loans
Free
💰 Finance
(0)
7
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
💰 Finance
(8)
subscription
8
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
9
DebtDrop: Mortgage & Payoff
DebtDrop: Mortgage & Payoff
DebtDrop: Mortgage & Payoff
Debt Payoff Budget & Tracker
Free

This app helps you manage and pay off debts, featuring a unique mortgage recast calculator to optimize payments and save on interest. It also tracks home equity, PMI removal, and supports couples managing finances together.

Mortgage recast calculatorDebt payoff strategies (snowball/avalanche)Home equity and PMI tracking
💰 Finance
(4)
free
10
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
11
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
(989)
free with in-app purchases
12
Relief: Get out of debt
Relief: Get out of debt
Relief: Get out of debt
Reduce your credit card debt
Free

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.

Debt eligibility analysisReduction request submissionStop collection calls
💰 Finance
(1.8K)
free with in-app purchases
13
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
(3.6K)
subscription
14
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
💰 Finance
(44)
ad-supported
15
New American Funding
New American Funding
New American Funding
My Mortgage App
Free

Manage your home loan with this app, offering 24/7 access to loan details, payment options, and property insights. Track your balance, payment history, and escrow information. Discover your home's equity and explore related housing market data.

Access loan informationMake paymentsReview payment history
💼 Business
(19K)
free
16
Toffee: Debt Payoff Planner
Toffee: Debt Payoff Planner
Toffee: Debt Payoff Planner
Credit Cards to Debt-Free
Free

This app helps you visualize and accelerate your debt payoff journey. It offers personalized strategies like debt snowball or avalanche, connects to your bank accounts for automatic updates, and provides motivation through progress tracking and AI coaching. Get a clear view of your debt-free date and stay on track with payment reminders.

Debt Snowball and Avalanche payoff methodsAutomatic bank account syncing via PlaidAI-powered debt coaching and scenario planning
💰 Finance
(3)
free with in-app purchases
17
Newrez
Newrez
Newrez
Your mortgage, our commitment
Free

Manage your mortgage loan conveniently from your mobile device. Easily view loan details, make payments, access important documents, and track your loan status securely.

View loan balance and payment detailsMake one-time or scheduled paymentsEdit autopay settings
💰 Finance
(40K)
free
18
Cenlar Mobile™
Cenlar Mobile™
Cenlar Mobile™
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
💰 Finance
(16K)
free
19
Your Mortgage Online
Your Mortgage Online
Your Mortgage Online
by DMI Software, Inc
Free

Manage your mortgage with ease. Make payments, track escrow accounts, taxes, and insurance. Access 24/7 support for a seamless mortgage management experience.

Online paymentsEscrow account managementTax and insurance tracking
💰 Finance
(31K)
free
20
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
💰 Finance
(137)
ad-supported

FAQ about Debt Payoff Mortgage

What are the best debt payoff mortgage apps for iPhone?
Debt Payoff Planner & Tracker tops our debt payoff mortgage apps ranking as of July 2026, with a 4.7-star average from 7.2K App Store ratings, and it's free to download.
Yes — 19 of the top debt payoff mortgage apps we rank are free to download, including Debt Payoff Planner & Tracker and Debt Payoff Box: Snowball Plan.
Debt Payoff Planner & Tracker shows ads and offers in-app purchases, according to its App Store listing as of July 2026.
We track 212+ debt payoff mortgage apps on the iOS App Store as of July 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.