Best Free Debt Tracker Apps

237+ iOS apps curated and reviewed

4.5 avg rating
20 free apps
Updated June 2026

Loan & Debt Tracker is the household name in free debt tracker, but it's far from the only option. We track 237+ alternatives and competitors on iOS β€” many free, many higher-rated than you'd expect.

Top Picks for Free Debt Tracker

Debt Snowball - Payoff Planner#2

Debt Snowball - Payoff Planner by Polybit Studio Pty Ltd

Credit card & payment tracker
Strong Contender
πŸ’° Finance
4.7😞(1K 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

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.

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
Debt Payoff Planner & Tracker#3

Debt Payoff Planner & Tracker by OxbowSoft LLC

Debt Free Snowball Calculator
Worth Considering
πŸ’° Finance
4.7😊(6.7K ratings)
FreeAdsIn-App Purchases
#71in 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

More Free Debt Tracker apps to explore

4
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)
5
Debt Tracker - Debts
Debt Tracker - Debts
Debt Tracker - Debts
Easy to use debt tracker
Free

This debt management application helps users efficiently track and organize their financial commitments, including debts and receivables, with features such as a debt payoff planner, payment tracker, and intuitive money tracking. By using this app, users can create a clear path to pay off debt, stay on top of their financial situation, and take control of their debt.

πŸ’° Finance
(102)
6
Monefy: Money Tracker
Monefy: Money Tracker
Monefy: Money Tracker
Track Income & Expenses
Free

Track your income, expenses, and budgets effortlessly with this money management app. Gain insight into your finances and stay on top of your spending. Start managing your money better today!

πŸ’° Finance
(279)
7
Debt Tracker: Personal Debts
Debt Tracker: Personal Debts
Debt Tracker: Personal Debts
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
(9)
8
Bill Tracker Pro
Bill Tracker Pro
Bill Tracker Pro
Bill Organizer, Budget Planner
Free

​Stay on top of your bills and payments with our app that provides timely reminders and tracking features. Never miss a payment again - download now!

πŸ’° Finance
(4.6K)
9
Debt Payoff Box: Snowball Plan
Debt Payoff Box: Snowball Plan
Debt Payoff Box: Snowball Plan
Loan Tracker and Planner
Free

"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!"

πŸ’° Finance
(2.3K)
10
EveryDollar: Budget Management
EveryDollar: Budget Management
EveryDollar: Budget Management
Track Income, Bills & Spending
Free

Track expenses, plan finances, and reach your financial goals with a personal budget app that helps you manage your money easily and guilt-free. Start for free today to create budgets, monitor spending, and see all your financial accounts in one place.

πŸ’° Finance
(84K)
11
Debt Tracker App by UnDebt
Debt Tracker App by UnDebt
Debt Tracker App by UnDebt
Debt Payoff Planner & Loans
Free
$4.99 | 100% OFF
πŸ’° Finance
(2)
12
Monarch: Budget & Track Money
Monarch: Budget & Track Money
Monarch: Budget & Track Money
Spending, Net Worth, Investing
Free

Manage your finances efficiently with this comprehensive budgeting application. Track expenses, set financial goals, and stay on top of your budget effortlessly. Start saving money today!

πŸ’° Finance
(94K)
13
Debty - Private Debt Tracker
Debty - Private Debt Tracker
Debty - Private Debt Tracker
Keep track of your debts/loans
Free

This simple and intuitive app helps you manage and track your debts, loans, and shared expenses, making it easy to record and track money you owe or are owed. With features like automatic calculations, reminders, and iCloud synchronization, you can manage your finances with ease and stay on top of your debt payments.

πŸ’° Finance
(109)
14
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)
15
YNAB
YNAB
YNAB
Never worry about money again
Free

Start changing your money mindset with a set of habits to spend purposefully, save aspirationally, and give generously. Join millions in improving your financial outlook and sign up for a one-month free trial today!

πŸ’° Finance
(60K)
16
Who Owes Me - IOU Tracker
Who Owes Me - IOU Tracker
Who Owes Me - IOU Tracker
Remember debts & split costs
Free

Keep track of debts and IOUs with ease using this handy app. Never forget who owes you money and stay on top of your finances effortlessly. Sign up now to simplify managing your debts.

πŸ’° Finance
(764)
17
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)
18
PocketGuard – Budgeting App
PocketGuard – Budgeting App
PocketGuard – Budgeting App
Expense & Subscription Manager
Free

PocketGuard・Money is a personal finance app that helps users track their spending, set budgets, and manage their finances in one convenient place. Stay on top of your money and start reaching your financial goals today!

πŸ’° Finance
(7.6K)
19
Owe: Debt Tracker & Planner
Owe: Debt Tracker & Planner
Owe: Debt Tracker & Planner
Keep Track of Debt Payoff Plan
Free

This debt tracking application helps you manage your personal finances by allowing you to track who owes you and whom you owe, add one-off and recurring payments, and set reminders for upcoming payments. By using this app, you can easily stay on top of your budget, avoid missed payments, and keep track of your debts.

πŸ’° Finance
(3)
20
Intuit Credit Karma
Intuit Credit Karma
Intuit Credit Karma
Your personal money app
Free

Get your personal money assistant with a powerful financial app offering insights on your accounts and credit, free credit monitoring, access to credit card and loan offers, net worth tracking, credit building, early paycheck access, drive score monitoring, and more. Download the app to start optimizing your finances today.

πŸ’° Finance
(7.6M)