Best Free Debt Tracker Apps

250+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated September 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 (September 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Debt Payoff Planner & TrackerDebt Payoff Planner & TrackerFree4.7β˜… (7.3K)YesYesSep 2026
2Debt Snowball - Payoff PlannerDebt Snowball - Payoff PlannerFree4.7β˜… (1.3K)NoYesSep 2026
3Loan & Debt TrackerLoan & Debt TrackerFree4.0β˜… (2)NoNoSep 2026
4Monarch: Budget & Track MoneyMonarch: Budget & Track MoneyFree4.9β˜… (110K)NoYesSep 2026
5Debt Tracker: Personal DebtsDebt Tracker: Personal DebtsFree4.8β˜… (61)YesYesSep 2026
6Debt Tracker - DebtsDebt Tracker - DebtsFree4.4β˜… (105)NoYesSep 2026
7DebtCleared: Payoff TrackerDebtCleared: Payoff TrackerFreeβ€”NoNoMay 2026
8Debt & IOU TrackerDebt & IOU TrackerFreeβ€”NoYesJul 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😊(7.3K 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

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
  • πŸ€‘ Affordable premium subscription
  • πŸ”’ Customizable debt payoff strategies

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
  • πŸ”’ Difficulty making changes to existing debt entries
  • πŸ’Έ Concerns about recurring subscription costs
Debt Snowball - Payoff Planner#2

Debt Snowball - Payoff Planner by Polybit Studio Pty Ltd

Credit card & payment tracker
Strong Contender
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
  • πŸ”’ Inaccurate balance calculations

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 September 2026, with a 4.7-star average from 7.3K 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 September 2026.
We track 250+ free debt tracker apps on the iOS App Store as of September 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.