1. Home
  2. Topics
  3. Debt Payoff Planner Free

Best Debt Payoff Planner Free Apps

250+ iOS apps curated and reviewed

4.6 avg rating
20 free apps
Updated August 2026

If you already know Debt Payoff Planner & Tracker, this is the deeper bench. 250+ debt payoff planner free apps for iPhone, all reviewed and ranked by user rating, recency, and download trend as of August 2026.

Compare top Debt Payoff Planner Free Apps (August 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
3Debt Guide - Payoff PlannerDebt Guide - Payoff PlannerFree4.8★ (49)NoYesAug 2026
4Debt Magic: Payoff PlannerDebt Magic: Payoff PlannerFree4.9★ (16)NoNoJul 2026
5Changed: Automate Debt PayoffChanged: Automate Debt PayoffFree4.6★ (5.4K)YesNoAug 2026
6Debt Snowball - Payoff PlannerDebt Snowball - Payoff PlannerFree4.7★ (1.3K)NoYesAug 2026
7DebtWise — Debt Payoff PlannerDebtWise — Debt Payoff PlannerFree—NoYesJul 2026
8Debt Payoff Tracker & Planner*Debt Payoff Tracker & Planner*Free—YesYesJul 2026

Top Picks for Debt Payoff Planner Free

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
#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

  • 💯 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
Debt Guide - Payoff Planner#3

Debt Guide - Payoff Planner by Hussain Mustafa

Snowball Calculator & Tracker
Worth Considering
💰 Finance
4.8(49 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 Planner Free apps to explore

4
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
💰 Finance
(16)
free
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 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
7
DebtWise — Debt Payoff Planner
DebtWise — Debt Payoff Planner
DebtWise — Debt Payoff Planner
Custom Order. Debt-Free Faster
Free
💰 Finance
(0)
8
Debt Payoff Tracker & Planner*
Debt Payoff Tracker & Planner*
Debt Payoff Tracker & Planner*
Debt Manager & Tracker
Free
💰 Finance
(0)
9
Loan Calculator - Debt Planner
Loan Calculator - Debt Planner
Loan Calculator - Debt Planner
Mortgage, Car, School, Payday
Free

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.

Reveals total interest paidCalculates debt-free dateAnalyzes extra payment savings
💰 Finance
(22K)
free with in-app purchases
10
Debt Free Planner
Debt Free Planner
Debt Free Planner
Snowball your way debt-free
Free
💰 Finance
(0)
11
Debt Payoff Planner - Monnelia
Debt Payoff Planner - Monnelia
Debt Payoff Planner - Monnelia
Avalanche, Snowball Calculator
Free

This app helps you conquer debt with personalized repayment plans. Compare strategies like snowball and avalanche, and get insights into your financial progress. Achieve financial freedom faster by saving time and money on interest.

Personalized debt repayment plansCompare snowball, avalanche, and tsunami strategiesCustomizable payment adjustments
💰 Finance
(11)
free with in-app purchases
12
DebtUnlocked - Payoff Planner
DebtUnlocked - Payoff Planner
DebtUnlocked - Payoff Planner
Debt Payoff Planner & Tracker
Free

Manage your debts with a personalized payoff plan. Track loans and credit cards, choose a payoff strategy, and visualize your debt-free date. See interest saved and get payment reminders.

Personalized payoff plansTrack multiple debt typesAvalanche or Snowball method
💰 Finance
(2)
freemium
13
Savvy Debt Payoff Planner
Savvy Debt Payoff Planner
Savvy Debt Payoff Planner
Debt and Spending Tracker
Free

This app helps you pay off debt faster and cheaper by providing personalized payoff strategies and insights into your spending. It offers encouragement and a clear financial outlook to guide you towards debt freedom.

Personalized debt payoff strategiesInterest savings insightsBudgeting and financial outlook
💰 Finance
(23)
free with in-app purchases
14
Payoff Planner - Get Debt Free
Payoff Planner - Get Debt Free
Payoff Planner - Get Debt Free
Paycheck Budget & Debt Planner
Free

This app creates a personalized debt payoff plan based on your actual pay schedule. It analyzes your income, bills, and expenses to tell you how much extra to pay towards debt and which debt to prioritize. See your estimated debt-free date with multiple payoff strategies.

Personalized debt payoff planSyncs to pay scheduleMultiple payoff strategies (Snowball, Avalanche, etc.)
💰 Finance
(1)
free with in-app purchases
15
Debt Descent: Payoff Planner
Debt Descent: Payoff Planner
Debt Descent: Payoff Planner
Snowball & avalanche payoff
Free
💰 Finance
(0)
16
Debt Payoff Planner: Tracker
Debt Payoff Planner: Tracker
Debt Payoff Planner: Tracker
Snowball & Loan Calculator
Free

Create a personalized plan to become debt-free by tracking loans, credit cards, and mortgages. Compare payoff strategies, log payments, and visualize your progress towards financial freedom.

Personalized debt payoff plansTrack loans, credit cards, and mortgagesCompare Snowball, Avalanche, and Cash Flow strategies
💰 Finance
(0)
freemium
17
Debt Payoff Planner: Snowball
Debt Payoff Planner: Snowball
Debt Payoff Planner: Snowball
Debt tracker & avalanche plan
Free
💰 Finance
(0)
18
Debt Control – payoff planner
Debt Control – payoff planner
Debt Control – payoff planner
My calculator & credit manager
Free

Manage all your debts and loans in one place. Track who owes you money and who you owe, with support for multiple currencies and payment reminders. View your debt history and get an overview of your financial commitments.

Track money owed and borrowedSupport for multiple currenciesPayment period indication
💰 Finance
(32)
free with in-app purchases
19
Debt Payoff Tracking & Planner
Debt Payoff Tracking & Planner
Debt Payoff Tracking & Planner
Debt Snowball Calculator
Free
💰 Finance
(0)
20
Payoff: Smart Debt Planner
Payoff: Smart Debt Planner
Payoff: Smart Debt Planner
AI Coach, Snowball & Tracker
Free
💰 Finance
(0)

FAQ about Debt Payoff Planner Free

What are the best debt payoff planner free apps for iPhone?
Debt Payoff Planner & Tracker tops our debt payoff planner free apps ranking as of August 2026, with a 4.7-star average from 7.2K App Store ratings, and it's free to download.
Debt Payoff Planner & Tracker shows ads and offers in-app purchases, according to its App Store listing as of August 2026.
We track 250+ debt payoff planner free apps on the iOS App Store as of August 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.