Best Debt Tracking Apps

249+ iOS apps curated and reviewed

4.6 avg rating
20 free apps
Updated September 2026

Looking for free debt tracking apps? 20 of our 249+ tracked titles are free to download — no subscription, no trial. The rest are premium picks worth paying for.

Compare top Debt Tracking Apps (September 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Debt Payoff Planner & TrackerDebt Payoff Planner & TrackerFree4.7★ (7.3K)YesYesSep 2026
2Changed: Automate Debt PayoffChanged: Automate Debt PayoffFree4.6★ (5.6K)YesNoSep 2026
3AlmostZero - Debt Tracking AppAlmostZero - Debt Tracking AppFree4.8★ (75)NoYesSep 2026
4EveryDollar: Budget ManagementEveryDollar: Budget ManagementFree4.7★ (84K)NoYesSep 2026
5Debt Payoff Box: Snowball PlanDebt Payoff Box: Snowball PlanFree4.5★ (2.4K)NoYesSep 2026
6Debt Docket - Debt TrackingDebt Docket - Debt TrackingFree2.5★ (2)NoYesAug 2026
7DebTra: Debt TrackingDebTra: Debt TrackingFree5.0★ (1)NoYesAug 2026
8Debt Tracker: Personal DebtsDebt Tracker: Personal DebtsFree4.8★ (61)YesYesSep 2026

Top Picks for Debt Tracking

Debt Payoff Planner & Tracker#1

Debt Payoff Planner & Tracker by OxbowSoft LLC

Debt Free Snowball Calculator
Editor's Choice
💰 Finance
4.7😊(7.3K ratings)
FreeAdsIn-App Purchases
#71in Finance
Debt Payoff Planner & Tracker screenshot 1
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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
  • 🤑 Affordable premium subscription
  • 🔢 Customizable debt payoff strategies

Room to Improve

  • 🐛 Occasional app crashes and stability issues
  • 📆 Lack of flexible payment frequency options (weekly, bi-weekly)
  • 💰 Frustration with premium-only features
  • 🔢 Difficulty making changes to existing debt entries
  • 💸 Concerns about recurring subscription costs
Changed: Automate Debt Payoff#2

Changed: Automate Debt Payoff by Changed Inc.

Track Debt, Pay It Down Faster
Strong Contender
💰 Finance
4.6😐(5.6K ratings)
FreeAds
Changed: Automate Debt Payoff screenshot 1
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Changed: Automate Debt Payoff screenshot 6

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.

What We Love

  • 🚀 Helpful in paying off loans
  • 💡 Automatic debt payments
  • 👍 Easy to use
  • 🤑 Saves money without noticing
  • 🎉 Motivating to see progress

Room to Improve

  • 🐛 Connectivity issues with accounts
  • 🕰️ Slow payment processing
  • 💸 Subscription fees
  • 🤖 Poor customer support
  • 🔒 Difficulty accessing/withdrawing funds
AlmostZero - Debt Tracking App#3

AlmostZero - Debt Tracking App by Life Utility Apps, LLC

Smart Debt Repayment Planner
Worth Considering
💰 Finance
4.8(75 ratings)
FreeIn-App Purchases
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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.

More Debt Tracking apps to explore

FAQ about Debt Tracking

What are the best debt tracking apps for iPhone?
Debt Payoff Planner & Tracker tops our debt tracking apps ranking as of September 2026, with a 4.7-star average from 7.3K App Store ratings, and it's free to download.
Yes — 20 of the top debt tracking apps we rank are free to download, including Debt Payoff Planner & Tracker and Changed: Automate Debt Payoff.
Debt Payoff Planner & Tracker shows ads and offers in-app purchases, according to its App Store listing as of September 2026.
We track 249+ debt tracking apps on the iOS App Store as of September 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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