Best Free Debt Tracker Apps

250+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated November 2026

Loan & Debt 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 — many free, many higher-rated than you'd expect.

Compare top Free Debt Tracker Apps (November 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Loan & Debt TrackerLoan & Debt TrackerFree4.6★ (35)NoNoOct 2026
2Debt Snowball - Payoff PlannerDebt Snowball - Payoff PlannerFree4.7★ (1.4K)NoYesNov 2026
3Debt Payoff Planner & TrackerDebt Payoff Planner & TrackerFree4.7★ (7.4K)YesYesNov 2026
4Debt Tracker - DebtsDebt Tracker - DebtsFree4.4★ (106)NoYesNov 2026
5Changed: Automate Debt PayoffChanged: Automate Debt PayoffFree4.6★ (5.7K)YesNoNov 2026
6Debt Tracker: Who Owes Me?Debt Tracker: Who Owes Me?Free4.8★ (67)YesYesNov 2026
7Bill Tracker Pro: Budget SaverBill Tracker Pro: Budget SaverFree4.6★ (5.2K)NoYesNov 2026
8PayUp: Personal Debt TrackerPayUp: Personal Debt TrackerFree5.0★ (8)NoYesOct 2026

Top Picks for Free Debt Tracker

Loan & Debt Tracker#1

Loan & Debt Tracker by Nesad Kadric

Debt-free journey
Editor's Choice
💼 Business
4.6(35 ratings)
Free
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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#2

Debt Snowball - Payoff Planner by Polybit Studio Pty Ltd

Credit card & payment tracker
Strong Contender
💰 Finance
4.7😞(1.4K ratings)
FreeIn-App Purchases
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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

  • 👍 Simple and easy-to-use interface
  • 🚀 Straightforward debt tracking
  • 💡 Debt payment strategies
  • 🔒 Secure data storage

Room to Improve

  • 🐛 Bugs and glitches
  • 💰 Paid features not worth the cost
  • 🔍 Limited functionality for the price
  • 🔢 Inaccurate balance calculations
Debt Payoff Planner & Tracker#3

Debt Payoff Planner & Tracker by OxbowSoft LLC

Debt Free Snowball Calculator
Worth Considering
💰 Finance
4.7😊(7.4K ratings)
FreeAdsIn-App Purchases
#74in Finance
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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
  • 🤑 Affordable premium subscription
  • 🔢 Customizable debt payoff strategies

Room to Improve

  • 🐛 Occasional app crashes and stability issues
  • 📆 Lack of flexible payment frequency options (weekly, bi-weekly)
  • 💰 Frustration with premium-only features
  • 🔢 Difficulty making changes to existing debt entries
  • 💸 Concerns about recurring subscription costs

More Free Debt Tracker apps to explore

FAQ about Free Debt Tracker

What are the best free debt tracker apps for iPhone?
Loan & Debt Tracker tops our free debt tracker apps ranking as of November 2026, with a 4.6-star average from 35 App Store ratings, and it's free to download.
Loan & Debt Tracker has no ads and has no in-app purchases, according to its App Store listing as of November 2026.
We track 250+ free debt tracker apps on the iOS App Store as of November 2026, ranked by rating, recency, and analysis of real user reviews.