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Best Debt Payoff Planner Plus Apps

236+ iOS apps curated and reviewed

4.4 avg rating
19 free apps
Updated August 2026

Looking for free debt payoff planner plus apps? 19 of our 236+ tracked titles are free to download — no subscription, no trial. The rest are premium picks worth paying for.

Compare top Debt Payoff Planner Plus Apps (August 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Debt Payoff Planner PlusDebt Payoff Planner PlusFree—YesYesAug 2026
2Debt Payoff Planner & TrackerDebt Payoff Planner & TrackerFree4.7★ (7.2K)YesYesAug 2026
3Changed: Automate Debt PayoffChanged: Automate Debt PayoffFree4.6★ (5.4K)YesNoAug 2026
4Debt Payoff PlannerDebt Payoff Planner$1.991.8★ (5)NoNoJul 2026
5Debt Payoff Planner - MonneliaDebt Payoff Planner - MonneliaFree4.4★ (11)YesYesJul 2026
6Debt Snowball - Payoff PlannerDebt Snowball - Payoff PlannerFree4.7★ (1.3K)NoYesAug 2026
7Debt Payoff Box: Snowball PlanDebt Payoff Box: Snowball PlanFree4.5★ (2.4K)NoYesAug 2026
8Payoff: Smart Debt PlannerPayoff: Smart Debt PlannerFree—NoYesJul 2026

Top Picks for Debt Payoff Planner Plus

Debt Payoff Planner & Tracker#2

Debt Payoff Planner & Tracker by OxbowSoft LLC

Debt Free Snowball Calculator
Strong Contender
💰 Finance
4.7😊(7.2K ratings)
FreeAdsIn-App Purchases
#72in 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
Changed: Automate Debt Payoff#3

Changed: Automate Debt Payoff by Changed Inc.

Track Debt, Pay It Down Faster
Worth Considering
💰 Finance
4.6😐(5.4K ratings)
FreeAds
Changed: Automate Debt Payoff screenshot 1
Changed: Automate Debt Payoff screenshot 2
Changed: Automate Debt Payoff screenshot 3
Changed: Automate Debt Payoff screenshot 4
Changed: Automate Debt Payoff screenshot 5
Changed: Automate Debt Payoff screenshot 6

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.

What We Love

  • 🚀 Helpful in paying off loans
  • 💡 Automatic debt payments
  • 👍 Easy to use
  • 🤑 Saves money without noticing

Room to Improve

  • 🐛 Connectivity issues with accounts
  • 🕰️ Slow payment processing
  • 💸 Subscription fees

More Debt Payoff Planner Plus apps to explore

4
Debt Payoff Planner
Debt Payoff Planner
Debt Payoff Planner
by Business Insights Ltd
$1.99

This app helps you visualize and plan debt payoff scenarios for credit cards and mortgages. It provides practical projections to estimate payoff timelines, total interest, and the impact of different payment amounts, enabling informed financial decisions.

Estimate debt payoff timelinesProject total interest and paymentsCompare payoff scenarios
💰 Finance
(5)
paid
5
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
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
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
💰 Finance
(2.4K)
free with in-app purchases
8
Payoff: Smart Debt Planner
Payoff: Smart Debt Planner
Payoff: Smart Debt Planner
AI Coach, Snowball & Tracker
Free
💰 Finance
(0)
9
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
10
Debt Control – minhas dividas
Debt Control – minhas dividas
Debt Control – minhas dividas
e meus controle de empréstimos
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
11
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
12
Debt Payoff Tracker & Planner*
Debt Payoff Tracker & Planner*
Debt Payoff Tracker & Planner*
Debt Manager & Tracker
Free
💰 Finance
(0)
13
Debt Guide - Payoff Planner
Debt Guide - Payoff Planner
Debt Guide - Payoff Planner
Snowball Calculator & Tracker
Free

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.

Personalized debt repayment plansSnowball and Avalanche payoff methodsTrack multiple loans and credit cards
💰 Finance
(49)
freemium
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)
💰 Finance
(22)
free with in-app purchases
15
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
16
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
17
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
18
Payoff Planner - Get Debt Free
Payoff Planner - Get Debt Free
Payoff Planner - Get Debt Free
Smart debt payoff by paycheck
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
19
Debt Payoff Tracking & Planner
Debt Payoff Tracking & Planner
Debt Payoff Tracking & Planner
Debt Snowball Calculator
Free
💰 Finance
(0)
20
Debt Payoff Tracker & Planner
Debt Payoff Tracker & Planner
Debt Payoff Tracker & Planner
Snowball/Avalanche Calculator
Free

This app helps you manage and pay off your debts faster using proven strategies. Track all your debts, visualize your progress, and receive payment reminders to achieve financial freedom.

Four payoff strategies (Snowball, Avalanche, Credit Score Focus, Custom)Real-time debt-free date calculatorWhat-if calculator for extra payments
💰 Finance
(7)
free with in-app purchases

FAQ about Debt Payoff Planner Plus

Are there free debt payoff planner plus apps for iPhone?
Yes — 19 of the top debt payoff planner plus apps we rank are free to download, including Debt Payoff Planner Plus and Debt Payoff Planner & Tracker.
Debt Payoff Planner Plus shows ads and offers in-app purchases, according to its App Store listing as of August 2026.
We track 236+ debt payoff planner plus apps on the iOS App Store as of August 2026, ranked by rating, recency, and analysis of real user reviews.