Best Debt Tracking Apps

249+ iOS apps curated and reviewed

4.5 avg rating
20 free apps
Updated August 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 (August 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Changed: Automate Debt PayoffChanged: Automate Debt PayoffFree4.6★ (5.4K)YesNoAug 2026
2Debt Payoff Planner & TrackerDebt Payoff Planner & TrackerFree4.7★ (7.2K)YesYesAug 2026
3AlmostZero - Debt Tracking AppAlmostZero - Debt Tracking AppFree4.8★ (75)NoYesAug 2026
4EveryDollar: Budget ManagementEveryDollar: Budget ManagementFree4.7★ (84K)NoYesAug 2026
5Debt Payoff Box: Snowball PlanDebt Payoff Box: Snowball PlanFree4.5★ (2.4K)NoYesAug 2026
6Debt Tracker - DebtsDebt Tracker - DebtsFree4.5★ (104)NoYesAug 2026
7Debty - Private Debt TrackerDebty - Private Debt TrackerFree4.8★ (121)NoYesAug 2026
8Debt Docket - Debt TrackingDebt Docket - Debt TrackingFree2.5★ (2)NoYesAug 2026

Top Picks for Debt Tracking

Changed: Automate Debt Payoff#1

Changed: Automate Debt Payoff by Changed Inc.

Track Debt, Pay It Down Faster
Editor's Choice
💰 Finance
4.6😐(5.4K ratings)
FreeAds
Changed: Automate Debt Payoff screenshot 1
Changed: Automate Debt Payoff screenshot 2
Changed: Automate Debt Payoff screenshot 3
Changed: Automate Debt Payoff screenshot 4
Changed: Automate Debt Payoff screenshot 5
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

Room to Improve

  • 🐛 Connectivity issues with accounts
  • 🕰️ Slow payment processing
  • 💸 Subscription fees
Debt Payoff Planner & Tracker#2

Debt Payoff Planner & Tracker by OxbowSoft LLC

Debt Free Snowball Calculator
Strong Contender
💰 Finance
4.7😊(7.2K ratings)
FreeAdsIn-App Purchases
#76in 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
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
AlmostZero - Debt Tracking App screenshot 1
AlmostZero - Debt Tracking App screenshot 2
AlmostZero - Debt Tracking App screenshot 3
AlmostZero - Debt Tracking App screenshot 4
AlmostZero - Debt Tracking App screenshot 5
AlmostZero - Debt Tracking App screenshot 6

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

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
💰 Finance
(84K)
free with in-app purchases
5
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
💰 Finance
(2.4K)
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
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
(121)
free with in-app purchases
8
Debt Docket - Debt Tracking
Debt Docket - Debt Tracking
Debt Docket - Debt Tracking
Debt Track by currency
Free

Track foreign currency debts with exchange rates and graphical analysis. Manage your finances locally on your device for enhanced security and control. Take charge of your financial future.

Graphical debt analysis by currencyReal-time exchange rates for debtsUser-friendly financial data management
💰 Finance
(2)
freemium
9
Debt Tracker: Personal Debts
Debt Tracker: Personal Debts
Debt Tracker: Personal Debts
Debt Manager: Who Owes Me?
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
(57)
free with in-app purchases
10
DebTra: Debt Tracking
DebTra: Debt Tracking
DebTra: Debt Tracking
Manage your debts easily
Free
💰 Finance
(0)
11
Debt off planner
Debt off planner
Debt off planner
Debt Tracker & Repayment Plan
Free
💰 Finance
(0)
12
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
(293)
free with in-app purchases
13
Debtly: Personal Debt Tracker
Debtly: Personal Debt Tracker
Debtly: Personal Debt Tracker
Track IOUs, Loans & Bills
Free
💰 Finance
(0)
14
Payment Tracker: Debt & Credit
Payment Tracker: Debt & Credit
Payment Tracker: Debt & Credit
Simple Ledger for Payments
Free
📊 Productivity
(0)
15
Debt Tracker - Loan Reminder
Debt Tracker - Loan Reminder
Debt Tracker - Loan Reminder
Lend hassle-free with Loan!
Free
💰 Finance
(0)
16
Knot - Track Debt with Friends
Knot - Track Debt with Friends
Knot - Track Debt with Friends
Shared Balances, Simplified
Free
💰 Finance
(0)
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
Sudeb — Debt & IOU Tracker
Sudeb — Debt & IOU Tracker
Sudeb — Debt & IOU Tracker
Payables and Receivables
Free

Manage your financial obligations with this app. Track who owes you money and who you owe money to, with support for multiple currencies. Future updates will include calendar reminders and summary views.

Track receivablesTrack payablesMultiple currencies
📊 Productivity
(0)
free with in-app purchases
19
Clero: Debt & Sub Tracker
Clero: Debt & Sub Tracker
Clero: Debt & Sub Tracker
Track Debts, IOUs & Subs
Free
💰 Finance
(0)
20
DebtCleared: Payoff Tracker
DebtCleared: Payoff Tracker
DebtCleared: Payoff Tracker
Manage loans & track payments
Free
$9.99 | 100% OFF
🌟 Lifestyle
(0)

FAQ about Debt Tracking

What are the best debt tracking apps for iPhone?
Changed: Automate Debt Payoff tops our debt tracking apps ranking as of August 2026, with a 4.6-star average from 5.4K App Store ratings, and it's free to download.
Yes — 20 of the top debt tracking apps we rank are free to download, including Changed: Automate Debt Payoff and Debt Payoff Planner & Tracker.
Changed: Automate Debt Payoff shows ads and has no in-app purchases, according to its App Store listing as of August 2026.
We track 249+ debt tracking apps on the iOS App Store as of August 2026, ranked by rating, recency, and analysis of real user reviews.
This app is a debt payoff planner and tracker designed to help users reduce their balances and become debt-free faster. It automates extra payments from everyday purchases and allows users to track all their debts in one place.
Key features include automating extra payments by rounding up purchases, boosting payments anytime, scheduling recurring payments, and tracking various debt types like credit cards, student loans, and mortgages. It also supports popular payoff strategies like Debt Snowball and Debt Avalanche, and includes a debt calculator to estimate savings.

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