Best Debt Tracker Payment Apps

247+ iOS apps curated and reviewed

4.5 avg rating
20 free apps
Updated August 2026

With an average user rating of 4.5★, the debt tracker payment category is one of the App Store's strongest. Browse all 247+ apps we track, sorted so the most loved ones surface first.

Compare top Debt Tracker Payment Apps (August 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Debt Tracker: Personal DebtsDebt Tracker: Personal DebtsFree4.8★ (57)YesYesAug 2026
2Who Owes Me - Payment TrackerWho Owes Me - Payment TrackerFree4.6★ (788)NoYesAug 2026
3Debt & Bill Tracker – SaldoDebt & Bill Tracker – SaldoFree4.7★ (293)NoYesAug 2026
4PaySmart: Bill & Debt TrackerPaySmart: Bill & Debt TrackerFree5.0★ (3)NoYesAug 2026
5Debt Payoff Planner & TrackerDebt Payoff Planner & TrackerFree4.7★ (7.2K)YesYesAug 2026
6Debt Tracker - DebtsDebt Tracker - DebtsFree4.5★ (104)NoYesAug 2026
7Debt Tracker App by UnDebtDebt Tracker App by UnDebtFree was $4.995.0★ (2)NoYesJun 2026
8Debt Payoff Planner : TrackerDebt Payoff Planner : TrackerFree1.0★ (1)NoYesJul 2026

Top Picks for Debt Tracker Payment

Who Owes Me - Payment Tracker#2

Who Owes Me - Payment Tracker by Voglhuber

Remember debts, split expenses
Strong Contender
💰 Finance
4.6😐(788 ratings)
FreeIn-App Purchases
Who Owes Me - Payment Tracker screenshot 1
Who Owes Me - Payment Tracker screenshot 2
Who Owes Me - Payment Tracker screenshot 3
Who Owes Me - Payment Tracker screenshot 4
Who Owes Me - Payment Tracker screenshot 5
Who Owes Me - Payment Tracker screenshot 6

Easily track money lent and borrowed, and split expenses with friends. This app helps you remember debts, manage payments, and provides an overview of your financial obligations. It offers features like cloud sync, currency support, and data export.

What We Love

  • 👍 Easy to use and intuitive
  • 🚀 Provides a good overview of debts
  • 💡 Helpful for tracking money owed
  • 🚀 Simple and straightforward

Room to Improve

  • 💰 Subscription or high one-time cost
  • 🔒 Limited functionality in free version
  • 🐛 Sync issues between devices
Debt & Bill Tracker – Saldo#3

Debt & Bill Tracker – Saldo by Foresko LLC

Payments Planner & Reminder
Worth Considering
💼 Business
4.7(293 ratings)
FreeIn-App Purchases
Debt & Bill Tracker – Saldo screenshot 1
Debt & Bill Tracker – Saldo screenshot 2
Debt & Bill Tracker – Saldo screenshot 3
Debt & Bill Tracker – Saldo screenshot 4
Debt & Bill Tracker – Saldo screenshot 5
Debt & Bill Tracker – Saldo screenshot 6

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.

More Debt Tracker Payment apps to explore

4
PaySmart: Bill & Debt Tracker
PaySmart: Bill & Debt Tracker
PaySmart: Bill & Debt Tracker
by Daniel Jetzer
Free

This app centralizes your credit cards and loans, offering a clear overview of balances, due dates, and credit utilization. Connect accounts via Plaid or add them manually for easy financial management without spreadsheets.

Add credit cards, loans, and mortgagesConnect with Plaid for automatic balance updatesTrack balances, limits, and utilization
💰 Finance
(3)
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
💰 Finance
(7.2K)
free with in-app purchases
6
Debt Tracker - Debts
Debt Tracker - Debts
Debt Tracker - Debts
Easy to use debt 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
7
Debt Tracker App by UnDebt
Debt Tracker App by UnDebt
Debt Tracker App by UnDebt
Debt Payoff Planner & Loans
Free
$4.99 | 100% OFF

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.

Custom debt categoriesInterest rate trackingTrack lent and borrowed money
💰 Finance
(2)
free with in-app purchases
8
Debt Payoff Planner : Tracker
Debt Payoff Planner : Tracker
Debt Payoff Planner : Tracker
Debt-Free Date & Snowball
Free

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
💰 Finance
(1)
freemium
9
Financial Payment Tracker
Financial Payment Tracker
Financial Payment Tracker
Debt Payoff Planner & Log
Free
💰 Finance
(0)
10
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
(119)
free with in-app purchases
11
PayUp: Personal Debt Tracker
PayUp: Personal Debt Tracker
PayUp: Personal Debt Tracker
They borrowed. Time to Pay Up
Free

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
💰 Finance
(3)
free with in-app purchases
12
DebtCleared: Payoff Tracker
DebtCleared: Payoff Tracker
DebtCleared: Payoff Tracker
Manage loans & track payments
Free
$9.99 | 100% OFF
🌟 Lifestyle
(0)
13
Lendnote: Smart Debt Tracker
Lendnote: Smart Debt Tracker
Lendnote: Smart Debt Tracker
IOU, Borrow & Money Manager
Free
💰 Finance
(0)
14
Relief: Get out of debt
Relief: Get out of debt
Relief: Get out of debt
Reduce your credit card debt
Free

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.

Debt eligibility analysisReduction request submissionStop collection calls
💰 Finance
(1.8K)
free with in-app purchases
15
Debt Payoff Tracker & Planner
Debt Payoff Tracker & Planner
Debt Payoff Tracker & Planner
Snowball/Avalanche Calculator
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
(7)
free with in-app purchases
16
Loan & Debt Tracker
Loan & Debt Tracker
Loan & Debt Tracker
Debt-free journey
Free

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
💼 Business
(2)
free
17
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
18
Debt & IOU Tracker
Debt & IOU Tracker
Debt & IOU Tracker
Track IOUs & Due Dates
Free
💰 Finance
(0)
19
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
💰 Finance
(5.4K)
free with in-app purchases
20
My Debt Manager & Tracker
My Debt Manager & Tracker
My Debt Manager & Tracker
Track and Manage Debts & Loans
Free

Easily track and manage all your debts and loans in one place. This app simplifies due dates, payments, and balances with intuitive color coding and automatic data backup. It supports multiple currencies, recurring payments, and offers AI-driven insights to help reduce debt stress.

Track debts and loansRecurring payment managementAI debt stress reduction
💰 Finance
(5)
free with in-app purchases

FAQ about Debt Tracker Payment

What are the best debt tracker payment apps for iPhone?
Debt Tracker: Personal Debts tops our debt tracker payment apps ranking as of August 2026, with a 4.8-star average from 57 App Store ratings, and it's free to download.
Yes — 20 of the top debt tracker payment apps we rank are free to download, including Debt Tracker: Personal Debts and Who Owes Me - Payment Tracker.
Debt Tracker: Personal Debts shows ads and offers in-app purchases, according to its App Store listing as of August 2026.
We track 247+ debt tracker payment apps on the iOS App Store as of August 2026, ranked by rating, recency, and analysis of real user reviews.
Debt Tracker offers several Premium subscription plans, including monthly options starting at $2.99 and annual plans at $8.99 with a 7-day free trial.
Yes, a primary function of Debt Tracker is to allow you to record and manage all individuals who owe you money, providing a clear overview of outstanding personal loans.