Best Free Debt Payoff Tracker Apps

222+ iOS apps curated and reviewed

4.5 avg rating

20 free apps

Updated June 2026

Looking for free free debt payoff tracker apps? 20 of our 222+ tracked titles are free to download — no subscription, no trial. The rest are premium picks worth paying for.

Top Picks for Free Debt Payoff 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

#69in Finance

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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

Room to Improve

🐛 Occasional app crashes and stability issues
📆 Lack of flexible payment frequency options (weekly, bi-weekly)
💰 Frustration with premium-only features

#2

Debt Payoff Box: Snowball Plan by Natalia Alekseenko

Loan Tracker and Planner

Strong Contender

💰 Finance

4.5😞(2.3K ratings)

FreeIn-App Purchases

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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

#3

Track Debt Free: DebtBuddy by Dimitry French

Track Debt - Free Forever

Worth Considering

💰 Finance

0.0(0 ratings)

FreeIn-App Purchases

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More Free Debt Payoff Tracker apps to explore

Intuit Credit Karma

Intuit Credit Karma

Your personal money app

Manage your finances, monitor your credit, and explore personalized offers for loans and insurance. Simplify tax filing and access banking services. Premium features offer enhanced identity protection and bill negotiation.

Connect accounts for spending insightsMonitor credit score changesCompare loan and insurance offers

free with in-app purchases

Payoff — Debt Tracker

Payoff — Debt Tracker

Crush debt. Keep more money.

DebtCleared: Payoff Tracker

DebtCleared: Payoff Tracker

Manage loans & track payments

$9.99 | 100% OFF

Debt Snowball - Payoff Planner

Debt Snowball - Payoff Planner

Credit card & payment tracker

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

free with in-app purchases

Ditch: Pay Off Debt Faster

Ditch: Pay Off Debt Faster

Automate Payoff & Track Debt

Effortlessly pay down debt with automated roundups from your purchases. Track all your loans, gain personalized insights from an AI assistant, and discover debt-friendly budgeting strategies to reach your financial goals faster.

Automated purchase roundups to debtSmart debt tracking and progress visualizationAI financial assistant for insights

free with in-app purchases

Debt Guide - Payoff Planner

Debt Guide - Payoff Planner

Snowball Calculator & Tracker

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

Debt Payoff Tracker & Planner*

Debt Payoff Tracker & Planner*

Debt Manager & Tracker

Plan To Payoff Your Debt

Easily track your debts and create a personalized payoff plan. Get a clear financial breakdown, analyze your progress with a report page, and utilize an amortized schedule to see all your payments. Start your journey to financial freedom.

Debt trackingFinancial breakdownPayoff plan development

free with in-app purchases

Changed: Debt Payoff Planner

Changed: Debt Payoff Planner

Track Debt, Pay It Down Faster

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

free with in-app purchases

Rocket Money - Bills & Budgets

Rocket Money - Bills & Budgets

Subscription & Expense Manager

This personal finance app helps you manage your money by tracking expenses, creating budgets, and automating savings. It also finds and cancels forgotten subscriptions and negotiates lower rates on your existing bills.

Cancel forgotten subscriptionsNegotiate lower billsTrack monthly expenses

free with in-app purchases

Debt Payoff Planner: Tracker

Debt Payoff Planner: Tracker

Loan Calculator & Snowball

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

Gauss: Payoff Credit Card Debt

Gauss: Payoff Credit Card Debt

Manage Debt, Credit & Budget

Manage all your credit cards in one place, track spending, and get personalized AI advice to pay off debt faster. Features include balance transfers, credit building, and automated payoff strategies.

Manage all credit cards in one appBalance transfers to low APR credit linesCredit building with reporting to bureaus

Saldo – Debt Tracker & Payoff

Saldo – Debt Tracker & Payoff

Payments Planner & Reminder

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

free with in-app purchases

PayUp: Personal Debt Tracker

PayUp: Personal Debt Tracker

They borrowed. Time to Pay Up

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

free with in-app purchases

Debt Payoff Tracker & Planner

Debt Payoff Tracker & Planner

Due Dates and Reminders

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

free with in-app purchases

Debt Tracker: Personal Debts

Debt Tracker: Personal Debts

Debt payment tracker

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)

free with in-app purchases

Never worry about money again

This app helps users gain control of their finances by creating flexible spending plans, tracking expenses, and managing debt. It aims to reduce financial stress and empower users to reach their goals. Features include account linking, manual transaction entry, and collaborative planning for multiple users.

Create and share unlimited spending plansAutomatically import transactionsManually add transactions