Best Debt Ruthless Apps

250+ iOS apps curated and reviewed

4.1 avg rating

19 free apps

Updated August 2026

Debt Ruthless is the household name in debt ruthless, but it's far from the only option. We track 250+ alternatives and competitors on iOS — many free, many higher-rated than you'd expect.

Compare top Debt Ruthless Apps (August 2026)

#	App	Price	Rating	Ads	In-App Purchases	Updated
1	Debt Ruthless	Free	—	No	No	Aug 2026
2	Plan: Budget & Expense Tracker	Free	4.1★ (18)	No	Yes	Sep 2026
3	PayMeLater Friend Debt Tracker	Free	4.7★ (67)	No	Yes	Aug 2026
4	Debt Tracker Master	Free	3.7★ (3)	Yes	Yes	Aug 2026
5	Debt Payoff Tracker - DebtFree	Free	—	No	Yes	Sep 2026
6	PayUp: Personal Debt Tracker	Free	5.0★ (3)	No	Yes	May 2026
7	Paid - Debt Tracker	Free	5.0★ (6)	No	No	Jul 2026
8	Debt Tracker: Personal Debts	Free	4.8★ (61)	Yes	Yes	Aug 2026

Top Picks for Debt Ruthless

#1

Debt Ruthless by Marcin Miazga

Aggressive Debt Tracking

Editor's Choice

💰 Finance

0.0(0 ratings)

Free

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#2

Plan: Budget & Expense Tracker by Viktor Grushevskiy

Manage money, save for goals

Strong Contender

💰 Finance

4.1(18 ratings)

FreeIn-App Purchases

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Manage your money, track expenses, and achieve your savings goals with this intuitive finance tracker. It offers detailed analytics, multi-currency support, and debt planning to help you gain financial control.

#3

PayMeLater Friend Debt Tracker by Nicovate Limited

Track debts and split bills

Worth Considering

💰 Finance

4.7(67 ratings)

FreeIn-App Purchases

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Effortlessly track money owed between friends and split group expenses. Easily record who owes whom, even for shared meals, by snapping photos of bills and assigning items. Stay on top of your social finances without the hassle.

More Debt Ruthless apps to explore

Debt Tracker Master

Debt Tracker Master

Debt Tracker Master

Manage your debt efficiently

This app helps you manage personal debts by recording balances, due dates, and repayment progress. It offers a dashboard for an overview, payment planning tools, and customizable reminders to avoid missed payments. Additionally, it provides learning resources on personal finance and debt management.

Debt recording and organizationRepayment progress trackingPayment planning outlook

free with in-app purchases

Debt Payoff Tracker - DebtFree

Debt Payoff Tracker - DebtFree

Debt Payoff Tracker - DebtFree

Snowball & Avalanche Planner

PayUp: Personal Debt Tracker

PayUp: Personal Debt Tracker

PayUp: Personal Debt Tracker

They borrowed. Time to Pay Up

Easily track money owed to you by friends and family. Log debts, record payments, and split group expenses without needing an account. Premium features are available via in-app purchase.

Log debts and IOUsTrack payment historySplit group expenses

free with in-app purchases

Paid - Debt Tracker

Paid - Debt Tracker

Paid - Debt Tracker

Debts tracked. Money back.

Manage all your debts effortlessly with this intuitive application. It offers one-tap reminders to ensure you never miss a payment and an AI-powered receipt splitter for easy expense division.

Intuitive debt trackingOne-tap payment remindersAI Receipt Splitter

Debt Tracker: Personal Debts

Debt Tracker: Personal Debts

Debt Tracker: Personal Debts

Debt Manager: Who Owes Me?

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)

free with in-app purchases

Payment Tracker: Debt & Credit

Payment Tracker: Debt & Credit

Payment Tracker: Debt & Credit

Simple Ledger for Payments

📊 Productivity

Knot - Track Debt with Friends

Knot - Track Debt with Friends

Knot - Track Debt with Friends

Shared Balances, Simplified

Stack - Simple Debt Manager

Stack - Simple Debt Manager

Stack - Simple Debt Manager

The fastest debt manager app

Easily track and manage personal finances by categorizing credit and debt across multiple devices. Create separate spaces for different financial situations, share summaries, and use the built-in calculator for complex calculations.

Categorize credit and debtCreate multiple financial spacesShare debt summaries

Debtly: Personal Debt Tracker

Debtly: Personal Debt Tracker

Debtly: Personal Debt Tracker

Track IOUs, Loans & Bills

Debt Tracker – IOU & Loans

Debt Tracker – IOU & Loans

Debt Tracker – IOU & Loans

Track money you owe or lend

Easily track money lent to friends or borrowed from family. Record payments, set reminders, and manage all your personal loans and IOUs in one private place. Focuses solely on interpersonal debt, not general expenses.

Track interpersonal debtsRecord partial paymentsSet custom reminders

Loan & Debt Tracker

Loan & Debt Tracker

Loan & Debt Tracker

Debt-free journey

Manage all your debts and loans in one place. Track money owed to you and money you owe to others, with clear overviews of balances and due dates. Achieve financial freedom with tools to help you stay organized and motivated.

Track borrowed and lent moneyManage student loans, credit cards, and personal debtsClear overview of balances and due dates

Lendnote: Smart Debt Tracker

Lendnote: Smart Debt Tracker

Lendnote: Smart Debt Tracker

IOU, Loan Records & Reports

Debt Payoff Coach

Debt Payoff Coach

Debt Payoff Coach

Debt‑Free Payoff Calculator

Manage and eliminate your debt with a clear system. Track your progress visually, simulate payoff strategies, and receive smart insights to help you achieve financial freedom faster. Stay organized with payment reminders and detailed schedules.

Debt tracking and managementVisual progress bloom trackerDebt-free timeline projection

Clarity Debt Resolution

Clarity Debt Resolution

Clarity Debt Resolution

Debt Free, Done Right.

Manage your debts and financial goals with this intuitive mobile application. Track finances, view transaction history, and access important documents all in one place. Achieve financial freedom with organized tools for debt management and budgeting.

Comprehensive financial overviewDebt management and progress trackingCentralized document access

Get Out of Debt Fast

This app helps users pay off their debts faster and more efficiently. It utilizes the Debt Snowball method and offers various strategies, tracking tools, and 'what-if' scenarios to visualize progress and savings.

Debt Snowball methodMultiple payoff strategiesProgress tracking and summary

Debt Payoff Planner: Tracker

Debt Payoff Planner: Tracker

Debt Payoff Planner: Tracker

Snowball & Loan Calculator

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

Expense Tracker & Budgeting

Expense Tracker & Budgeting

Expense Tracker & Budgeting

Bill Organizer & Money Manager

Master your budget, track expenses, and save more with this privacy-focused financial control app. It offers bill reminders, insightful analytics, and customizable tracking to help you understand spending habits and achieve financial goals.

Privacy-focused data securityEasy budget creation and managementInsightful spending analytics

free with in-app purchases

FAQ about Debt Ruthless

Are there free debt ruthless apps for iPhone?

Yes — 19 of the top debt ruthless apps we rank are free to download, including Debt Ruthless and Plan: Budget & Expense Tracker.

Does Debt Ruthless have ads or in-app purchases?

Debt Ruthless has no ads and has no in-app purchases, according to its App Store listing as of August 2026.

How many debt ruthless apps are on the App Store?

We track 250+ debt ruthless apps on the iOS App Store as of August 2026, ranked by rating, recency, and analysis of real user reviews.