Best Debt To Income Calculator Apps

225+ iOS apps curated and reviewed

4.7 avg rating
19 free apps
Updated July 2026

Loan Calculator is the household name in debt to income calculator, but it's far from the only option. We track 225+ alternatives and competitors on iOS β€” many free, many higher-rated than you'd expect.

Compare top Debt To Income Calculator Apps (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Loan Calculator - Debt PlannerLoan Calculator - Debt PlannerFree4.6β˜… (22K)YesYesAug 2026
2Debt To Income CalculatorDebt To Income Calculator$2.993.3β˜… (4)NoNoMay 2026
3Mortgage Pal - Loan CalculatorMortgage Pal - Loan CalculatorFree4.8β˜… (3.4K)NoNoAug 2026
4EveryDollar: Budget ManagementEveryDollar: Budget ManagementFree4.7β˜… (84K)NoYesAug 2026
5Debt Payoff Planner & TrackerDebt Payoff Planner & TrackerFree4.7β˜… (7.2K)YesYesAug 2026
6Financial Calculator: PercentFinancial Calculator: PercentFree4.7β˜… (15K)NoYesAug 2026
7Debt Payoff Box: Snowball PlanDebt Payoff Box: Snowball PlanFree4.5β˜… (2.4K)NoYesAug 2026
8Loan Calculator‰Loan Calculator‰Free4.9β˜… (96K)YesNoAug 2026

Top Picks for Debt To Income Calculator

Loan Calculator - Debt Planner#1

Loan Calculator - Debt Planner by ChuChu Train Productions

Mortgage, Car, School, Payday
Editor's Choice
πŸ’° Finance
4.6😐(22K ratings)
FreeAdsIn-App Purchases
Loan Calculator - Debt Planner screenshot 1
Loan Calculator - Debt Planner screenshot 2
Loan Calculator - Debt Planner screenshot 3
Loan Calculator - Debt Planner screenshot 4
Loan Calculator - Debt Planner screenshot 5
Loan Calculator - Debt Planner screenshot 6

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.

What We Love

  • πŸ‘ Easy to use
  • πŸš€ Quick calculations
  • πŸ’‘ Helpful for financial decisions
  • πŸ”’ Secure app

Room to Improve

  • πŸ” Lacking advanced features
  • πŸ’Έ Excessive ads
  • πŸ› Bugs and crashes
Debt To Income Calculator#2

Debt To Income Calculator by Rukshan Marapana

Calculate your DTI Ratio
Strong Contender
πŸ’° Finance
3.3(4 ratings)
$2.99
Debt To Income Calculator screenshot 1
Debt To Income Calculator screenshot 2
Debt To Income Calculator screenshot 3
Debt To Income Calculator screenshot 4

This app helps you calculate your debt-to-income ratio, a key metric lenders use to assess loan repayment likelihood. It provides clear examples and explains why this ratio is important for financial decisions.

Mortgage Pal - Loan Calculator#3

Mortgage Pal - Loan Calculator by Appeum Inc

Payment compound interest rate
Worth Considering
πŸ’° Finance
4.8😐(3.4K ratings)
Free
Mortgage Pal - Loan Calculator screenshot 1
Mortgage Pal - Loan Calculator screenshot 2
Mortgage Pal - Loan Calculator screenshot 3
Mortgage Pal - Loan Calculator screenshot 4
Mortgage Pal - Loan Calculator screenshot 5
Mortgage Pal - Loan Calculator screenshot 6

This comprehensive mortgage toolkit helps users make informed home buying decisions. It offers multiple calculators for payments, affordability, refinancing, and closing costs, along with tools to visualize rate trends and compare renting versus buying.

What We Love

  • πŸš€ Simple and intuitive
  • πŸš€ Easy to use
  • πŸš€ Provides necessary information
  • ✨ Accurate calculations

Room to Improve

  • πŸ› Freezes and crashes frequently
  • πŸ”’ Privacy concerns (access to motion/fitness data)
  • πŸ” Lacks important features (PMI, closing costs)

More Debt To Income Calculator apps to explore

4
EveryDollar: Budget Management
EveryDollar: Budget Management
EveryDollar: Budget Management
Track Income, Bills & Spending
Free

This app helps you create custom budgets, track expenses, and manage your money effectively. It aims to reveal hidden savings and empower you to pay off debt, build wealth, and achieve your financial goals.

Create custom budgetsTrack expenses and transactionsManage bills and income
πŸ’° Finance
(84K)
free with in-app purchases
5
Debt Payoff Planner & Tracker
Debt Payoff Planner & Tracker
Debt Payoff Planner & Tracker
Debt Free Snowball Calculator
Free

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.

Customized debt repayment scheduleDebt Snowball payoff strategyDebt Avalanche payoff strategy
πŸ’° Finance
(7.2K)
free with in-app purchases
6
Financial Calculator: Percent
Financial Calculator: Percent
Financial Calculator: Percent
Tax Percentage, Profit Margin
Free

This app offers a comprehensive suite of over 40 financial and utility calculators. Easily handle complex calculations like investment analysis, tax percentages, profit margins, and everyday percentage needs with a clean and intuitive interface.

Over 40 built-in calculatorsFinancial calculators (ROI, IRR, NPV)Tax and profit margin calculations
πŸ’° Finance
(15K)
subscription
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
πŸ’° Finance
(2.4K)
free with in-app purchases
8
Loan Calculator‰
Loan Calculator‰
Loan Calculator‰
Simple Loan Calculator
Free

Easily calculate loan or mortgage payments. Simply input the loan amount, repayment term, and interest rate to get your estimated monthly payment.

Loan calculationMortgage calculationAmount input
πŸ’° Finance
(96K)
ad-supported
9
myFICO - Credit Score Tracking
myFICO - Credit Score Tracking
myFICO - Credit Score Tracking
Get & Track Your Credit Report
Free

Access and monitor your FICO Scores and credit reports from all three major bureaus. Understand how your credit history impacts your scores and explore potential changes with a simulator. Receive alerts for detected changes and access educational content to improve your credit.

View FICO ScoresCompare credit reportsMonitor credit changes
πŸ’° Finance
(49K)
free with in-app purchases
10
Loan Calculator - Loan2Me
Loan Calculator - Loan2Me
Loan Calculator - Loan2Me
Quick and Easy Loan Calculator
Free

This app helps you quickly calculate loan payments, affordability, and potential savings. It offers detailed amortization schedules and allows for scenario planning by adjusting loan parameters. Advanced features include expense breakdowns for mortgages and vehicle loans, plus data synchronization and custom report generation.

Calculate loan paymentsDetermine loan affordabilityAmortization schedule
πŸ’° Finance
(8.2K)
freemium
11
RECalc Mortgage Calculator
RECalc Mortgage Calculator
RECalc Mortgage Calculator
Mortgage/loan calculator
Free

Calculate mortgage payments, loan amounts, interest rates, and terms. This app also functions as a standard calculator and supports semi-annual compounding. View loan summaries and amortization tables, and email or save your calculations.

Calculate monthly payment, term, interest rate, loan amountStandard mathematical calculationsSemi-annual compounding support
πŸ’° Finance
(2.6K)
free with in-app purchases
12
Amortization Loan Calculator
Amortization Loan Calculator
Amortization Loan Calculator
Amortization Schedule & More
Free

This tool calculates loan payments and generates detailed repayment schedules. It allows for extra payments, visualizes the repayment progress, and tracks total interest paid. Users can save multiple loans and share schedules easily.

Calculate loan paymentsGenerate repayment scheduleAdd extra payments
πŸ’° Finance
(1.1K)
free with in-app purchases
13
EMI Loan & Mortgage Calculator
EMI Loan & Mortgage Calculator
EMI Loan & Mortgage Calculator
Auto Loan & EMI Calculator
Free

This app simplifies financial calculations for various loan types, including mortgages and auto loans. It offers detailed results, comparison tools, and essential financial calculators for APR, ROI, and savings. Easily export your calculations for better financial management.

Comprehensive loan calculationsSupport for various loan typesDetailed loan results with charts
πŸ’° Finance
(313)
ad-supported
14
Rocket Mortgage
Rocket Mortgage
Rocket Mortgage
Mortgages made simple
Free

Manage your entire home loan journey from application to payment. This app offers tools to apply for mortgages, track progress, view loan details, make payments, and monitor home value. Get expert support and insights for a stress-free homeownership experience.

Apply for home loansManage mortgage paymentsTrack application progress
πŸ’° Finance
(177K)
free
15
Mortgage Calculator- Home Loan
Mortgage Calculator- Home Loan
Mortgage Calculator- Home Loan
Payment Payoff Amortization
Free

Estimate loan expenses with various payment frequencies and explore early payoff strategies. Calculate affordable loan amounts based on your budget and income. Save and manage your mortgage details easily.

Multiple payment frequenciesExtra payment optionsTax and insurance input
πŸ’° Finance
(412)
ad-supported
16
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
πŸ’° Finance
(5.4K)
free with in-app purchases
17
Calculator: No Ads / Ad-Free
Calculator: No Ads / Ad-Free
Calculator: No Ads / Ad-Free
Basic, Scientific & Finance
Free

This app offers a private and accessible calculation experience with no advertisements. It includes scientific, financial, and basic calculation functions, along with features like voice feedback and visual charts for loans and investments.

Scientific calculatorFinancial calculator (budgets, loans, mortgages)Audible speech feedback
πŸ”§ Utilities
(4.5K)
free with in-app purchases
18
Mortgage Calculator:
Mortgage Calculator:
Mortgage Calculator:
Mortgage & Loan Calculator
Free

This comprehensive home loan planner helps users calculate mortgage payments, analyze refinancing options, and assess home affordability. It provides detailed amortization schedules and debt payoff planning tools, all with a privacy-focused, offline experience.

Monthly payment calculationAmortization schedulesRefinance analysis
πŸ’° Finance
(10)
free
19
Loan Calculator Free.
Loan Calculator Free.
Loan Calculator Free.
Loans, Mortgages, Car Payments
Free

Easily calculate loan payments, generate amortization schedules, and visualize your financial progress with interactive charts. Supports various loan types, multiple languages, and offline functionality.

Loan calculation with adjustable parametersDetailed amortization schedulesInteractive charts and visualizations
πŸ’° Finance
(24)
free with in-app purchases
20
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
πŸ’° Finance
(1.5K)
free with in-app purchases

FAQ about Debt To Income Calculator

What are the best debt to income calculator apps for iPhone?
Loan Calculator - Debt Planner tops our debt to income calculator apps ranking as of July 2026, with a 4.6-star average from 22K App Store ratings, and it's free to download.
Yes β€” 19 of the top debt to income calculator apps we rank are free to download, including Loan Calculator - Debt Planner and Mortgage Pal - Loan Calculator.
Loan Calculator - Debt Planner shows ads and offers in-app purchases, according to its App Store listing as of July 2026.
We track 225+ debt to income calculator apps on the iOS App Store as of July 2026, ranked by rating, recency, and analysis of real user reviews.
This app helps you understand the full financial impact of loans and mortgages. It goes beyond basic monthly payments to show you the total interest you'll pay over the life of the loan, when you'll be debt-free, and how extra payments can save you money. It also provides detailed amortization schedules and visualizations of your payoff journey.
Key features include revealing total interest paid, calculating your debt-free date, analyzing savings from extra payments, providing detailed amortization schedules, allowing side-by-side comparison of multiple loan scenarios, and visualizing your payoff progress with graphs. It also includes bonus calculators for credit cards and rental properties.