Best Free Debt Payoff Tracker Apps

224+ iOS apps curated and reviewed

4.4 avg rating
20 free apps
Updated May 2026

Looking for free free debt payoff tracker apps? 20 of our 224+ tracked titles are free to download β€” no subscription, no trial. The rest are premium picks worth paying for.

Top Picks for Free Debt Payoff Tracker

Debt Payoff Planner & Tracker#1

Debt Payoff Planner & Tracker by OxbowSoft LLC

Debt Free Snowball Calculator
Editor's Choice
πŸ’° Finance
4.7😊(6.7K ratings)
FreeAdsIn-App Purchases
#65in 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

Control your finances with ease using an innovative debt payoff planner app. Effortlessly manage and track your debts, set personalized repayment goals, and stay on top of your financial well-being. Take charge of your financial future today!

What We Love

  • πŸ’― Excellent debt tracking and planning
  • πŸ” Detailed debt breakdown and payoff timeline
  • 🎯 Helps stay motivated and on track
  • πŸ‘ Simple and easy to use interface

Room to Improve

  • πŸ› Occasional app crashes and stability issues
  • πŸ“† Lack of flexible payment frequency options (weekly, bi-weekly)
  • πŸ’° Frustration with premium-only features
Debt Payoff Box: Snowball Plan#2

Debt Payoff Box: Snowball Plan by Natalia Alekseenko

Loan Tracker and Planner
Strong Contender
πŸ’° 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

"Navigate your journey to financial freedom with Debt Free Box: Snowball Payoff, an easy-to-use app for managing and paying off debts. Simply set up your payoff plan and enjoy features like the snowball method, fast forward option, and detailed payment schedule. Take control of your debts and install the app now for free!"

What We Love

  • πŸ‘ Simple and easy to use
  • πŸš€ Helpful for debt planning
  • πŸš€ Straightforward layout
  • πŸš€ Provides amortization schedules

Room to Improve

  • πŸ› Buggy and glitchy
  • πŸ’° Requires paid upgrade for basic features
  • πŸ”’ No cloud sync or backup
PaidOff: Debt Tracker#3

PaidOff: Debt Tracker by Andrew Aquino

Smart debt tracking & insights
Worth Considering
πŸ’° Finance
5.0(7 ratings)
FreeAds
PaidOff: Debt Tracker screenshot 1
PaidOff: Debt Tracker screenshot 2
PaidOff: Debt Tracker screenshot 3
PaidOff: Debt Tracker screenshot 4
PaidOff: Debt Tracker screenshot 5
PaidOff: Debt Tracker screenshot 6

Track and manage your debts with ease using this application. Visualize your debt through graphs and stay on top of your financial goals. Take control of your finances today!

More Free Debt Payoff Tracker apps to explore

4
Ditch: Pay Off Debt Faster
Ditch: Pay Off Debt Faster
Ditch: Pay Off Debt Faster
Automate Payoff & Track Debt
Free

An innovative financial app that helps users pay off debts while making everyday purchases. Easily manage and track your payments in real-time. Take control of your finances with Ditch!

πŸ’° Finance
(967)
5
Debt_Manager
Debt_Manager
Debt_Manager
Debt Management made easy
Free
πŸ’° Finance
(0)
6
Debt Payoff Assistant
Debt Payoff Assistant
Debt Payoff Assistant
by Steve Tran
Free

Debt Payoff Assistant helps manage and eliminate debts using the popular Debt-snowball method. With features like multiple payoff strategies, payment tracking, built-in calculators, charts, and payment reminders, this app provides a comprehensive tool to track progress and achieve financial freedom. Download now for a smarter way to pay off debts efficiently.

πŸ’° Finance
(137)
7
Rocket Money - Bills & Budgets
Rocket Money - Bills & Budgets
Rocket Money - Bills & Budgets
Subscription & Expense Manager
Free

Rocket Money helps you effortlessly manage your bills, track payments, and stay on top of your finances. Take control of your budget today with Rocket Money!

πŸ’° Finance
(356K)
8
Debt Snowball - Payoff Planner
Debt Snowball - Payoff Planner
Debt Snowball - Payoff Planner
Credit card & payment tracker
Free

A debt payoff app that uses the snowball method to help users tackle their debts strategically. Start managing your debts effectively today with this intuitive planner.

πŸ’° Finance
(1K)
9
Debt Guide - Payoff Planner
Debt Guide - Payoff Planner
Debt Guide - Payoff Planner
Snowball Calculator & Tracker
Free

Debt Payoff Planner Tracker: The ultimate app to take control of your finances and become debt-free faster. Manage, track, and pay off multiple debts using proven strategies like the Snowball and Avalanche methods. Enjoy a seamless, ad-free experience with personalized repayment plans, payment reminders, and insightful analytics to help you achieve financial freedom.

πŸ’° Finance
(35)
10
Changed: Debt Payoff Planner
Changed: Debt Payoff Planner
Changed: Debt Payoff Planner
Track Debt, Pay It Down Faster
Free

Automate debt payoff with an app that rounds up your spare change to help you pay off credit cards, loans, and more. Save money effortlessly and accelerate your journey to a debt-free life with Stash My Cash. Join the Payoff Debt Revolution and start saving thousands today!

πŸ’° Finance
(5.2K)
11
Debt Payoff Tracker - Zero
Debt Payoff Tracker - Zero
Debt Payoff Tracker - Zero
Snowball, Avalanche & AI Coach
Free
πŸ’° Finance
(0)
12
Debt Free –Pay Off Debt Faster
Debt Free –Pay Off Debt Faster
Debt Free –Pay Off Debt Faster
With Debt Snowball Method
Free
$0.99 | 100% OFF

A comprehensive debt management app utilizing the Debt Snowball method, featuring various tools like quick debt summaries, progress bars, payment due date reminders, and multiple payoff strategies. Users can track multiple debts, analyze repayment scenarios, and sync data across devices. Embark on your journey to financial freedom with Debt Free - Pay Off your Debt app!

πŸ’° Finance
(940)
13
Debt Payoff Tracker & Planner*
Debt Payoff Tracker & Planner*
Debt Payoff Tracker & Planner*
Debt Manager & Tracker
Free
πŸ’° Finance
(0)
14
PayUp: Personal Debt Tracker
PayUp: Personal Debt Tracker
PayUp: Personal Debt Tracker
They borrowed. Time to Pay Up
Free

Stay on top of what people owe you with this simple and secure debt tracking app. Download now to log debts, track payments, and easily divide group expenses with a private and secure record of your payment history.

πŸ’° Finance
(3)
15
Payoff Genius - Debt Planner
Payoff Genius - Debt Planner
Payoff Genius - Debt Planner
Debt Snowball & Avalanche Plan
Free

This debt management tool helps you track all your debts in one place and creates a personalized plan to pay them off efficiently, using either debt snowball or avalanche strategies. By using smart recommendations and interactive calculators, you can understand your options and take control of your finances to achieve financial freedom.

πŸ’° Finance
(5)
16
Debt & Bill Tracker – Saldo
Debt & Bill Tracker – Saldo
Debt & Bill Tracker – Saldo
Payments Planner & Reminder
Free

Track and manage your debts easily with our financial management assistant! Organize loans, track payments, set reminders, and stay on top of your finances effortlessly. Download now to simplify your financial life and enjoy peace of mind.

πŸ’Ό Business
(260)
17
Debt Payoff Planner : Tracker
Debt Payoff Planner : Tracker
Debt Payoff Planner : Tracker
Loan Calculator & Snowball
Free
πŸ’° Finance
(1)
18
Debt Control – payoff planner
Debt Control – payoff planner
Debt Control – payoff planner
My calculator & credit manager
Free

This application helps you manage and track debts by allowing you to record and monitor the money you owe or are owed, with features such as multi-currency support, payoff period indication, reminders, and debt history. Download now to take control of your debts and start paying off what you owe.

πŸ’° Finance
(31)
19
Gauss: Payoff Credit Card Debt
Gauss: Payoff Credit Card Debt
Gauss: Payoff Credit Card Debt
Manage Debt, Credit & Budget
Free

Simplify debt management and track credit card payoff progress with a user-friendly application designed to streamline financial tracking and goal achievement. Take control of your finances today.

πŸ’° Finance
(3K)
20
Debt Tracker - Debt payoff
Debt Tracker - Debt payoff
Debt Tracker - Debt payoff
Debt payment tracker
Free

This application helps you manage personal debts by tracking who owes you money and those you owe, allowing you to monitor debt payments and progress. It enables you to record debts, make partial payments, and view debt history, making it easier to control your financial situation.

πŸ’° Finance
(51)