Best Debt Payoff Planner Tracker Apps

231+ iOS apps curated and reviewed

4.5 avg rating
20 free apps
Updated June 2026

Looking for free debt payoff planner tracker apps? 20 of our 231+ tracked titles are free to download — no subscription, no trial. The rest are premium picks worth paying for.

Compare top Debt Payoff Planner Tracker Apps (June 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Debt Payoff Planner & TrackerDebt Payoff Planner & TrackerFree4.7★ (6.7K)YesYesJul 2026
2Debt Payoff Planner: TrackerDebt Payoff Planner: TrackerFree1.0★ (1)NoYesJun 2026
3Debt Tracker App by UnDebtDebt Tracker App by UnDebtFree was $4.995.0★ (2)NoYesJun 2026
4PocketGuard・Budget Planner AppPocketGuard・Budget Planner AppFree4.6★ (7.6K)YesYesJul 2026
5Debt Payoff Box: Snowball PlanDebt Payoff Box: Snowball PlanFree4.5★ (2.3K)NoYesJul 2026
6Debt Payoff Tracker & Planner*Debt Payoff Tracker & Planner*FreeYesYesJul 2026
7Debt & Bill Tracker – SaldoDebt & Bill Tracker – SaldoFree4.8★ (284)NoYesJul 2026
8DebtUnlocked - Payoff PlannerDebtUnlocked - Payoff PlannerFree5.0★ (2)NoYesJul 2026

Top Picks for Debt Payoff Planner Tracker

Debt Payoff Planner & Tracker#1

Debt Payoff Planner & Tracker by OxbowSoft LLC

Debt Free Snowball Calculator
Editor's Choice
💰 Finance
4.7😊(6.7K ratings)
FreeAdsIn-App Purchases
#70in 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 Planner: Tracker#2

Debt Payoff Planner: Tracker by Linas Nutautas

Loan Calculator & Snowball
Strong Contender
💰 Finance
1.0(1 ratings)
FreeIn-App Purchases
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 plan to become debt-free by tracking loans, credit cards, and mortgages. Compare payoff strategies, log payments, and visualize your progress towards financial freedom.

Debt Tracker App by UnDebt#3

Debt Tracker App by UnDebt by Adam Jessop

Debt Payoff Planner & Loans
Worth Considering
💰 Finance
5.0(2 ratings)
FreeIn-App Purchases
Debt Tracker App by UnDebt screenshot 1
Debt Tracker App by UnDebt screenshot 2
Debt Tracker App by UnDebt screenshot 3
Debt Tracker App by UnDebt screenshot 4
Debt Tracker App by UnDebt screenshot 5
Debt Tracker App by UnDebt screenshot 6

Easily manage all your debts and loans in one place. Track payments, interest, and categorize your financial obligations to stay organized and on the path to financial freedom.

More Debt Payoff Planner Tracker apps to explore

4
PocketGuard・Budget Planner App
PocketGuard・Budget Planner App
PocketGuard・Budget Planner App
Expense & Subscription Manager
Free

This app simplifies personal finance by automatically tracking expenses and bills. It helps you understand your disposable income, analyze spending habits, and manage subscriptions to save money. Set financial goals and create debt-payoff plans with smart algorithms.

Automatic expense trackingBill and subscription monitoringDisposable income calculation
💰 Finance
(7.6K)
free with in-app purchases
5
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
(2.3K)
free with in-app purchases
6
Debt Payoff Tracker & Planner*
Debt Payoff Tracker & Planner*
Debt Payoff Tracker & Planner*
Debt Manager & Tracker
Free
💰 Finance
(0)
7
Debt & Bill Tracker – Saldo
Debt & Bill Tracker – Saldo
Debt & Bill Tracker – Saldo
Payments Planner & Reminder
Free

This app helps you manage debts, loans, and finances with features like joint tracking, payment reminders, and detailed analytics. It provides a secure way to organize your financial obligations and maintain a history of paid debts.

Joint debt trackingDebt and loan groupingStatistics and analytics
💼 Business
(284)
free with in-app purchases
8
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
9
Buddy: Budget & Money Planner
Buddy: Budget & Money Planner
Buddy: Budget & Money Planner
Gerer son argent et dépenses
Free

This app helps you create and manage personal or shared budgets. Track expenses, connect your bank account for automatic transaction import, and gain a clear overview of your spending, income, and savings. It also features tools to split costs and settle up with others.

Create personal budgetsShared budgeting for couples/groupsConnect bank accounts for transaction import
💰 Finance
(9.3K)
free with in-app purchases
10
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
(35)
freemium
11
Controle de Dívidas Pessoais
Controle de Dívidas Pessoais
Controle de Dívidas Pessoais
Dívidas e pagamentos
Free

Manage personal debts and track payments effectively. Record who owes you money and who you owe, with detailed insights into each debt. Facilitates flexible payment tracking and provides a history of all debts.

Record who owes you moneyManage your own debtsDetailed debt data (amount, currency, payments)
💰 Finance
(57)
free with in-app purchases
12
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
(3.4K)
subscription
13
Checkbook - Account Tracker
Checkbook - Account Tracker
Checkbook - Account Tracker
Spending, Income and Cashflow
Free

Manage your daily finances with this app, tracking credit card charges, cash expenditures, and more. It offers multiple accounts, recurring transactions, fund transfers, and detailed reports with graphs. Easily search and export your financial data.

Multiple account trackingRecurring transaction savingFund transfers between accounts
💰 Finance
(14K)
subscription
14
YNAB
YNAB
YNAB
Never worry about money again
Free

This app helps users gain control of their finances by creating flexible spending plans, tracking expenses, and managing debt. It aims to reduce financial stress and empower users to reach their goals. Features include account linking, manual transaction entry, and collaborative planning for multiple users.

Create and share unlimited spending plansAutomatically import transactionsManually add transactions
💰 Finance
(61K)
subscription
15
TinyDebt: Debt Payoff Planner
TinyDebt: Debt Payoff Planner
TinyDebt: Debt Payoff Planner
Snowball Method & Loan Tracker
Free

Organize credit card debt, personal loans, and mortgages in one place. Choose between the Debt Snowball or Debt Avalanche method to create a clear path to financial freedom. Track your progress and get smart notifications to stay on top of payments.

Track multiple debt typesDebt payoff method selectionProgress visualization
💰 Finance
(2)
free with in-app purchases
16
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
17
Emma - Budget Planner Tracker
Emma - Budget Planner Tracker
Emma - Budget Planner Tracker
Spending, Bills, Money Saving
Free

Consolidate all your financial accounts in one place to track spending, manage subscriptions, and set budgets. Receive weekly reports, daily balance notifications, and overdraft alerts. Offers bank-level security with SSL encryption and biometric authentication.

Consolidate all accountsTrack subscriptionsSet budgets
💰 Finance
(1.4K)
free with in-app purchases
18
Budget Planner App - Fleur
Budget Planner App - Fleur
Budget Planner App - Fleur
Bill Organizer & Money Tracker
Free

This app helps you manage your finances with a simple and elegant interface. Easily track daily expenses and income, set monthly budgets, and monitor your spending habits. It offers features like transaction history, repeating transactions, and category management.

Log expenses and incomeSet monthly budgetsTrack spending habits
💰 Finance
(12K)
free with in-app purchases
19
DebtCleared: Payoff Tracker
DebtCleared: Payoff Tracker
DebtCleared: Payoff Tracker
Manage loans & track payments
Free
$9.99 | 100% OFF
🌟 Lifestyle
(0)
20
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
💰 Finance
(809)
ad-supported

FAQ about Debt Payoff Planner Tracker

What are the best debt payoff planner tracker apps for iPhone?
Debt Payoff Planner & Tracker tops our debt payoff planner tracker apps ranking as of June 2026, with a 4.7-star average from 6.7K App Store ratings, and it's free to download.
Yes — 20 of the top debt payoff planner tracker apps we rank are free to download, including Debt Payoff Planner & Tracker and Debt Payoff Planner: Tracker.
Debt Payoff Planner & Tracker shows ads and offers in-app purchases, according to its App Store listing as of June 2026.
We track 231+ debt payoff planner tracker apps on the iOS App Store as of June 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.

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