Best Debt Relief App

204+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated July 2026

Finding the right debt relief app can be overwhelming with so many options. We've analyzed 204+ apps to bring you the best choices for 2026, from free options to premium solutions with advanced features.

Compare top Debt Relief App (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Freedom Debt ReliefFreedom Debt ReliefFree4.9โ˜… (19K)NoNoJul 2026
2Relief: Get out of debtRelief: Get out of debtFree4.6โ˜… (1.8K)NoNoJul 2026
3Debt Payoff Planner & TrackerDebt Payoff Planner & TrackerFree4.7โ˜… (6.7K)YesYesJul 2026
4DebtAppDebtAppFree4.0โ˜… (54)NoNoJul 2026
5Gauss: Payoff Credit Card DebtGauss: Payoff Credit Card DebtFree4.9โ˜… (3.4K)NoNoJul 2026
6Intuit Credit KarmaIntuit Credit KarmaFree4.8โ˜… (7.7M)NoNoJul 2026
7Achieve GOOD: Get Out Of DebtAchieve GOOD: Get Out Of DebtFree4.7โ˜… (809)YesNoJul 2026
8Upstart: Personal Loans + MoreUpstart: Personal Loans + MoreFree4.9โ˜… (37K)NoNoJul 2026

Top Picks for Debt Relief App

Freedom Debt Relief#1

Freedom Debt Relief by FreedomDebtRelief LLC

Client Dashboard
Editor's Choice
๐Ÿ’ฐ Finance
4.9๐Ÿ˜Š(19K ratings)
Free
Freedom Debt Relief screenshot 1
Freedom Debt Relief screenshot 2
Freedom Debt Relief screenshot 3
Freedom Debt Relief screenshot 4
Freedom Debt Relief screenshot 5
Freedom Debt Relief screenshot 6

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.

What We Love

  • ๐Ÿ‘ Stress-free and easy to use
  • ๐Ÿ‘ Professional and responsible service
  • ๐Ÿ‘ Excellent customer service
  • ๐Ÿ‘ Custom debt settlement plan based on income and expenses

Room to Improve

  • ๐Ÿ› App does not accurately reflect account information
  • ๐Ÿ’ฐ 20% service fee, which can be costly
Relief: Get out of debt#2

Relief: Get out of debt by Relief Technologies incorporated

Reduce your credit card debt
Strong Contender
๐Ÿ’ฐ Finance
4.6๐Ÿ˜Š(1.8K ratings)
Free
Relief: Get out of debt screenshot 1
Relief: Get out of debt screenshot 2
Relief: Get out of debt screenshot 3
Relief: Get out of debt screenshot 4
Relief: Get out of debt screenshot 5
Relief: Get out of debt screenshot 6

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.

What We Love

  • ๐Ÿš€ Fast and efficient
  • ๐Ÿ’ฐ Significant debt reduction
  • ๐Ÿ‘ Easy to use
  • ๐Ÿ™ Helpful customer service

Room to Improve

  • ๐Ÿ› Login and app issues
  • โŒ Doesn't work with all creditors
  • ๐Ÿ’ฐ Expensive fees
Debt Payoff Planner & Tracker#3

Debt Payoff Planner & Tracker by OxbowSoft LLC

Debt Free Snowball Calculator
Worth Considering
๐Ÿ’ฐ Finance
4.7๐Ÿ˜Š(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

  • ๐Ÿ’ฏ Excellent debt tracking and planning
  • ๐Ÿ” Detailed debt breakdown and payoff timeline
  • ๐ŸŽฏ Helps stay motivated and on track
  • ๐Ÿ‘ Simple and easy to use interface

Room to Improve

  • ๐Ÿ› Occasional app crashes and stability issues
  • ๐Ÿ“† Lack of flexible payment frequency options (weekly, bi-weekly)
  • ๐Ÿ’ฐ Frustration with premium-only features

More Debt Relief App apps to explore

4
DebtApp
DebtApp
DebtApp
by DebtApp, LLC
Free

Manage unsecured debt and track savings with this finance app. View negotiated settlement offers from creditors and stay on top of your financial goals.

View unsecured debt balancesTrack current savingsManage creditor settlement offers
๐Ÿ’ฐ Finance
(54)
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
๐Ÿ’ฐ Finance
(3.4K)
subscription
6
Intuit Credit Karma
Intuit Credit Karma
Intuit Credit Karma
Save, Spend & Grow Your Credit
Free

Manage your finances, monitor your credit, and explore personalized offers for loans and insurance. Simplify tax filing and access banking services. Premium features offer enhanced identity protection and bill negotiation.

Connect accounts for spending insightsMonitor credit score changesCompare loan and insurance offers
๐Ÿ’ฐ Finance
(7.7M)
free with in-app purchases
7
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
๐Ÿ’ฐ Finance
(809)
ad-supported
8
Upstart: Personal Loans + More
Upstart: Personal Loans + More
Upstart: Personal Loans + More
Helping you borrow, better.
Free

Access funds quickly with a transparent and simple borrowing process. Check your rate in minutes without impacting your credit score. Apply for fixed-rate loans from $500 to $75,000 for various needs.

Check rate without credit score impactFast approvals and fundingPersonal loans up to $75,000
๐Ÿ’ฐ Finance
(37K)
free
9
Liberty Debt Relief
Liberty Debt Relief
Liberty Debt Relief
by Liberty Debt Relief
Free

This app allows users to manage their debt relief programs efficiently. Track payments, view active settlements, and access important documents. Easily reschedule, skip, or increase payments directly through the application.

Manage debt relief programsView active settlementsAccess important documents
๐Ÿ’ฐ Finance
(1)
free
10
Experianยฎ
Experianยฎ
Experianยฎ
Control Your Credit & Finances
Free

Access your credit report and FICO Score for free, and potentially improve your score by using bills you already pay. Get alerts for credit changes and compare financial products. A paid membership offers bill negotiation and subscription cancellation services.

Free credit report and FICO ScoreExperian Boost to raise FICO ScoreCredit monitoring and alerts
๐Ÿ’ฐ Finance
(2.7M)
free with in-app purchases
11
Clerkie Payoff Debt Bills Fees
Clerkie Payoff Debt Bills Fees
Clerkie Payoff Debt Bills Fees
Loan Money Build Credit Budget
Free

This app helps you manage your finances, budget effectively, and pay off debts faster. It offers tools to negotiate debt, find personalized loan offers, and monitor your credit score. Achieve financial freedom with a smart, secure, and free money management solution.

Negotiate and erase debtAutomated budgetingPersonal loan shopping
๐Ÿ’ฐ Finance
(2.8K)
free
12
Americor
Americor
Americor
by Americor Funding, Inc
Free

Manage your finances and track debt settlement progress with this app. Easily view upcoming payments, upload documents, and receive account notifications. Designed to help consumers restructure debt and find lower-cost consolidation loans.

View upcoming payments and historyUpload documentsTrack settlement progress
๐Ÿ’ฐ Finance
(1.3K)
free
13
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
๐Ÿ’ฐ Finance
(84K)
free
14
Alleviate: Real Debt Relief
Alleviate: Real Debt Relief
Alleviate: Real Debt Relief
100,000+ Clients. Real Results
Free

This app helps individuals manage and reduce their debt by providing personalized plans, creditor negotiation, and progress tracking. It offers options to consolidate debt into a single lower payment or negotiate balances down directly with creditors, aiming for significant savings.

Personalized debt relief plansDebt consolidation optionsCreditor negotiation
๐Ÿ’ฐ Finance
(5)
free
15
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
๐Ÿ’ฐ Finance
(1.4K)
free with in-app purchases
16
Changed: Debt Payoff Planner
Changed: Debt Payoff Planner
Changed: Debt Payoff Planner
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
๐Ÿ’ฐ Finance
(5.3K)
free with in-app purchases
17
Debt Consolidation - OneBill
Debt Consolidation - OneBill
Debt Consolidation - OneBill
Fast & Easy Way to Pay Debts
Free

Explore options to merge multiple debts into a single loan with one predictable payment. This app helps you review potential consolidation offers from third-party lenders, aiming for lower interest rates and simplified financial management.

Explore debt consolidation opportunitiesReview potential offers from third-party lendersCompare estimated repayment plans
๐Ÿ’ฐ Finance
(5)
free
18
Debt Relief Karma
Debt Relief Karma
Debt Relief Karma
Manage your debt in one place.
Free

This app helps you manage and reduce your debt by analyzing your financial situation. It offers personalized solutions and connects you with debt relief program providers to help you become debt-free faster.

AI Debt CalculatorPersonalized RecommendationsDebt Type Support
๐Ÿ’ฐ Finance
(4)
free with in-app purchases
19
National Debt - USA & World
National Debt - USA & World
National Debt - USA & World
US Debt Clock + 180 Countries!
Free

Track national debts for over 180 countries in real-time. Visualize historical debt trends, compare debt to GNP, and understand the scale of national finances with relatable comparisons.

Real-time national debt trackingData for over 180 countriesHistorical debt development
๐Ÿ’ฐ Finance
(1.6K)
free with in-app purchases
20
Loans & Money: AI Debt Coach
Loans & Money: AI Debt Coach
Loans & Money: AI Debt Coach
Cash Advance and Borrow Wisely
Free

This AI-powered personal finance tool helps you create a clear, step-by-step plan to manage and pay off debt. It analyzes your financial situation and provides strategies to break free from cycles of borrowing and reduce financial stress.

AI-powered debt analysisCustomized payoff strategiesStep-by-step action plans
๐Ÿ’ฐ Finance
(8)
free

FAQ about Debt Relief App

What is the best debt relief app for iPhone?
Freedom Debt Relief tops our debt relief app ranking as of July 2026, with a 4.9-star average from 19K App Store ratings, and it's free to download.
Yes โ€” 20 of the top debt relief app we rank are free to download, including Freedom Debt Relief and Relief: Get out of debt.
Freedom Debt Relief has no ads and has no in-app purchases, according to its App Store listing as of July 2026.
We track 204+ debt relief app on the iOS App Store as of July 2026, ranked by rating, recency, and analysis of real user reviews.
Key features include instant push notifications for settlement offers, the ability to review and authorize offers with a single tap, a comprehensive overview of deposits and account balances, tracking of enrolled debts and active settlements, and a view of your total savings.
This app is designed for existing clients of Freedom Debt Relief who are enrolled in a debt relief plan. It provides them with a convenient way to monitor and manage their plan's progress directly from their mobile device.

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