Best Free Debt Tracker Apps

250+ iOS apps curated and reviewed

4.5 avg rating
20 free apps
Updated October 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 — many free, many higher-rated than you'd expect.

Compare top Free Debt Tracker Apps (October 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Debt Payoff Planner & TrackerDebt Payoff Planner & TrackerFree4.7★ (7.3K)YesYesOct 2026
2Loan & Debt TrackerLoan & Debt TrackerFree4.0★ (2)NoNoOct 2026
3Debt Tracker: Who Owes Me?Debt Tracker: Who Owes Me?Free4.8★ (66)YesYesOct 2026
4PayUp: Personal Debt TrackerPayUp: Personal Debt TrackerFree5.0★ (3)NoYesMay 2026
5Debt Tracker - DebtsDebt Tracker - DebtsFree4.4★ (105)NoYesOct 2026
6Debt Snowball - Payoff PlannerDebt Snowball - Payoff PlannerFree4.7★ (1.3K)NoYesOct 2026
7WaitingOn: IOU & Debt TrackerWaitingOn: IOU & Debt TrackerFree—NoYesOct 2026
8Debt & IOU TrackerDebt & IOU TrackerFree—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
💰 Finance
4.7😊(7.3K ratings)
FreeAdsIn-App Purchases
#79in 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
Loan & Debt Tracker#2

Loan & Debt Tracker by Nesad Kadric

Debt-free journey
Strong Contender
💼 Business
4.0(2 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 Tracker: Who Owes Me?#3

Debt Tracker: Who Owes Me? by David Serrano Canales

IOU Manager: Money Owed & Lent
Worth Considering
💰 Finance
4.8(66 ratings)
FreeAdsIn-App Purchases
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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.

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 October 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 October 2026.
We track 250+ free debt tracker apps on the iOS App Store as of October 2026, ranked by rating, recency, and analysis of real user reviews.