Best Debt Tracker Apps

236+ iOS apps curated and reviewed

4.5 avg rating
20 free apps
Updated July 2026

Out of 236+ debt tracker apps on iOS, 20 are free and the rest sit in the paid tier. This page sorts them so you can compare both sides before you commit.

Compare top Debt Tracker Apps (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Debt Payoff Planner & TrackerDebt Payoff Planner & TrackerFree4.7★ (6.7K)YesYesJul 2026
2Loan & Debt TrackerLoan & Debt TrackerFree4.0★ (2)NoNoJul 2026
3Debt Payoff Box: Snowball PlanDebt Payoff Box: Snowball PlanFree4.5★ (2.3K)NoYesJul 2026
4Debt Free - Snowball AvalancheDebt Free - Snowball AvalancheFree4.7★ (1.3K)NoYesJul 2026
5OweMe - Debt TrackerOweMe - Debt TrackerFree4.7★ (289)YesYesJul 2026
6EveryDollar: Budget ManagementEveryDollar: Budget ManagementFree4.7★ (84K)YesYesJul 2026
7Money+ Cute Expense TrackerMoney+ Cute Expense TrackerFree4.7★ (3.7K)NoYesJul 2026
8Budget Planner App - FleurBudget Planner App - FleurFree4.8★ (12K)YesYesJul 2026

Top Picks for Debt 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
#68in 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
Loan & Debt Tracker#2

Loan & Debt Tracker by Nesad Kadric

Debt-free journey
Strong Contender
💼 Business
4.0(2 ratings)
Free
Loan & Debt Tracker screenshot 1
Loan & Debt Tracker screenshot 2
Loan & Debt Tracker screenshot 3
Loan & Debt Tracker screenshot 4

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.

Debt Payoff Box: Snowball Plan#3

Debt Payoff Box: Snowball Plan by Natalia Alekseenko

Loan Tracker and Planner
Worth Considering
💰 Finance
4.5😞(2.3K ratings)
FreeIn-App Purchases
Debt Payoff Box: Snowball Plan screenshot 1
Debt Payoff Box: Snowball Plan screenshot 2
Debt Payoff Box: Snowball Plan screenshot 3
Debt Payoff Box: Snowball Plan screenshot 4
Debt Payoff Box: Snowball Plan screenshot 5

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.

What We Love

  • 👍 Simple and easy to use
  • 🚀 Helpful for debt planning
  • 🚀 Straightforward layout
  • 🚀 Provides amortization schedules

Room to Improve

  • 🐛 Buggy and glitchy
  • 💰 Requires paid upgrade for basic features
  • 🔒 No cloud sync or backup

More Debt Tracker apps to explore

4
Debt Free - Snowball Avalanche
Debt Free - Snowball Avalanche
Debt Free - Snowball Avalanche
Payoff loans & credit cards
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
5
OweMe - Debt Tracker
OweMe - Debt Tracker
OweMe - Debt Tracker
Keep track of your money
Free

Easily track money owed to you with this intuitive debt manager. It provides a clear overview of all outstanding debts and sends reminders for unpaid amounts, ensuring you always know where your money is.

Track who owes you moneyReminders for unpaid debtsOverview of outstanding debts
🔧 Utilities
(289)
freemium
6
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
💰 Finance
(84K)
free with in-app purchases
7
Money+ Cute Expense Tracker
Money+ Cute Expense Tracker
Money+ Cute Expense Tracker
Simple & No Ad Budget App
Free

This offline accounting app offers a pure, reliable experience for tracking expenses and managing budgets. It supports multiple ledgers, accounts, global currencies, and provides in-depth financial analysis. Set savings goals and monitor asset trends without any advertisements.

Offline local storageFast transaction recordingMulti-dimensional ledgers
📊 Productivity
(3.7K)
subscription
8
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
9
Debt Tracker: Personal Debts
Debt Tracker: Personal Debts
Debt Tracker: Personal Debts
Debt payment tracker
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
(51)
free with in-app purchases
10
PaidOff: Debt Tracker
PaidOff: Debt Tracker
PaidOff: Debt Tracker
Smart debt tracking & insights
Free

Manage all your debts in one place with detailed insights into your payoff journey. Customize amortization schedules and APRs to visualize your progress towards financial freedom and save money.

Account ManagementComplete Debt ProfileFull Customization
💰 Finance
(7)
ad-supported
11
Bill Tracker Pro
Bill Tracker Pro
Bill Tracker Pro
Bill Reminder, Expense Tracker
Free

Manage your bills, income, and spending with this comprehensive finance tracker. Connect your bank accounts for automatic transaction syncing, set bill reminders, and create custom budgets to gain control of your cash flow. Visualize your financial health with insightful charts and reports.

Automatic bank transaction syncingCustomizable budget creationBill payment reminders and notifications
💰 Finance
(4.8K)
subscription
12
Spending Tracker
Spending Tracker
Spending Tracker
Take Control Of Your Money
Free

Easily track your expenses and income to gain control over your finances. Set budgets, view spending summaries, and generate reports with interactive charts. Take the first step towards saving money by understanding where your money goes.

Simple and intuitive interfaceFlexible time period tracking (Weekly, Monthly, Yearly)Budget mode with carry-over
💰 Finance
(18K)
free with in-app purchases
13
Debt Payoff Tracker & Planner
Debt Payoff Tracker & Planner
Debt Payoff Tracker & Planner
Due Dates and Reminders
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
(3)
free with in-app purchases
14
Debty - Private Debt Tracker
Debty - Private Debt Tracker
Debty - Private Debt Tracker
Keep track of your debts/loans
Free

Easily manage and track personal debts, loans, and shared expenses. Record money owed or owing, with automatic calculations and reminders to ensure you never miss a payment. Syncs across devices for seamless financial management.

Track debts and loansManage shared expensesAutomatic calculations
💰 Finance
(116)
free with in-app purchases
15
Debt Tracker - Balance Due
Debt Tracker - Balance Due
Debt Tracker - Balance Due
Pay off debt, loans & cards
Free

Manage and track multiple debts, including credit cards and loans. Visualize your repayment progress with clear indicators and receive monthly summaries to stay motivated and organized on your journey to becoming debt-free.

Track multiple debt accountsManage credit cards, loans, and personal borrowingVisualize repayment progress with percentage bars
💰 Finance
(1)
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
💰 Finance
(5.3K)
free with in-app purchases
17
Debt Tracker - Debts Manager
Debt Tracker - Debts Manager
Debt Tracker - Debts Manager
Debt payoff planner tracker
Free

Easily manage all your financial commitments, whether you owe money or are owed. Track debts and receivables by currency, plan your debt payoff, and monitor monthly progress. Stay organized and in control of your finances with this intuitive money tracking app.

Manage debts and receivablesSeparate by currencyDebt payoff planner
💰 Finance
(104)
free with in-app purchases
18
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
19
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
20
AlmostZero - Debt Tracking App
AlmostZero - Debt Tracking App
AlmostZero - Debt Tracking App
Crush Your Debt. Take Control.
Free

Manage all your debts, track spending, and set savings goals. Visualize your financial progress with clear charts and utilize proven repayment strategies to become debt-free faster. Gain a comprehensive view of your finances by linking debts to assets and access helpful financial education.

Debt & Loan ManagementExpense TrackingSavings Goals
💰 Finance
(65)
free with in-app purchases

FAQ about Debt Tracker

What are the best debt tracker apps for iPhone?
Debt Payoff Planner & Tracker tops our debt tracker apps ranking as of July 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 tracker apps we rank are free to download, including Debt Payoff Planner & Tracker and Loan & Debt Tracker.
Debt Payoff Planner & Tracker shows ads and offers in-app purchases, according to its App Store listing as of July 2026.
We track 236+ debt tracker apps on the iOS App Store as of July 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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