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Best Free Debt Tracker Apps

250+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated August 2026

Debt Payoff Planner & Tracker is the household name in free debt tracker, but it's far from the only option. We track 250+ alternatives and competitors on iOS β€” many free, many higher-rated than you'd expect.

Compare top Free Debt Tracker Apps (August 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Debt Payoff Planner & TrackerDebt Payoff Planner & TrackerFree4.7β˜… (7.2K)YesYesSep 2026
2Loan & Debt TrackerLoan & Debt TrackerFree4.0β˜… (2)NoNoAug 2026
3Debt Snowball - Payoff PlannerDebt Snowball - Payoff PlannerFree4.7β˜… (1.3K)NoYesSep 2026
4Debt Tracker - DebtsDebt Tracker - DebtsFree4.4β˜… (105)NoYesSep 2026
5Debt Tracker: Personal DebtsDebt Tracker: Personal DebtsFree4.8β˜… (61)YesYesAug 2026
6Debt Tracker App by UnDebtDebt Tracker App by UnDebtFree was $4.995.0β˜… (4)NoYesAug 2026
7Bill Tracker ProBill Tracker ProFree4.6β˜… (4.9K)NoYesSep 2026
8Debt Manager: Debt TrackerDebt Manager: Debt TrackerFreeβ€”YesYesAug 2026

Top Picks for Free Debt Tracker

Debt Payoff Planner & Tracker#1

Debt Payoff Planner & Tracker by OxbowSoft LLC

Debt Free Snowball Calculator
Editor's Choice
πŸ’° Finance
4.7😊(7.2K ratings)
FreeAdsIn-App Purchases
#66in 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

  • 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
Loan & Debt Tracker#2

Loan & Debt Tracker by Nesad Kadric

Debt-free journey
Strong Contender
πŸ’Ό Business
4.0(2 ratings)
Free
Loan & Debt Tracker screenshot 1
Loan & Debt Tracker screenshot 2
Loan & Debt Tracker screenshot 3
Loan & Debt Tracker screenshot 4

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.

Debt Snowball - Payoff Planner#3

Debt Snowball - Payoff Planner by Polybit Studio Pty Ltd

Credit card & payment tracker
Worth Considering
πŸ’° Finance
4.7😞(1.3K ratings)
FreeIn-App Purchases
Debt Snowball - Payoff Planner screenshot 1
Debt Snowball - Payoff Planner screenshot 2
Debt Snowball - Payoff Planner screenshot 3
Debt Snowball - Payoff Planner screenshot 4
Debt Snowball - Payoff Planner screenshot 5
Debt Snowball - Payoff Planner screenshot 6

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.

What We Love

  • πŸ‘ Simple and easy-to-use interface
  • πŸš€ Straightforward debt tracking
  • πŸ’‘ Debt payment strategies
  • πŸ”’ Secure data storage

Room to Improve

  • πŸ› Bugs and glitches
  • πŸ’° Paid features not worth the cost
  • πŸ” Limited functionality for the price

More Free Debt Tracker apps to explore

FAQ about Free Debt Tracker

What are the best free debt tracker apps for iPhone?
Debt Payoff Planner & Tracker tops our free debt tracker apps ranking as of August 2026, with a 4.7-star average from 7.2K App Store ratings, and it's free to download.
Debt Payoff Planner & Tracker shows ads and offers in-app purchases, according to its App Store listing as of August 2026.
We track 250+ free debt tracker apps on the iOS App Store as of August 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.