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Best Pay Off Debt Tracker Apps

218+ iOS apps curated and reviewed

4.5 avg rating
20 free apps
Updated June 2026

Looking for free pay off debt tracker apps? 20 of our 218+ tracked titles are free to download — no subscription, no trial. The rest are premium picks worth paying for.

Top Picks for Pay Off Debt Tracker

Debt Payoff Planner & Tracker#1

Debt Payoff Planner & Tracker by OxbowSoft LLC

Debt Free Snowball Calculator
Editor's Choice
💰 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

  • 💯 Excellent debt tracking and planning
  • 🔍 Detailed debt breakdown and payoff timeline
  • 🎯 Helps stay motivated and on track
  • 👍 Simple and easy to use interface

Room to Improve

  • 🐛 Occasional app crashes and stability issues
  • 📆 Lack of flexible payment frequency options (weekly, bi-weekly)
  • 💰 Frustration with premium-only features
Debt Payoff Box: Snowball Plan#3

Debt Payoff Box: Snowball Plan by Natalia Alekseenko

Loan Tracker and Planner
Worth Considering
💰 Finance
4.5😞(2.3K ratings)
FreeIn-App Purchases
Debt Payoff Box: Snowball Plan screenshot 1
Debt Payoff Box: Snowball Plan screenshot 2
Debt Payoff Box: Snowball Plan screenshot 3
Debt Payoff Box: Snowball Plan screenshot 4
Debt Payoff Box: Snowball Plan screenshot 5

"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!"

What We Love

  • 👍 Simple and easy to use
  • 🚀 Helpful for debt planning
  • 🚀 Straightforward layout
  • 🚀 Provides amortization schedules

Room to Improve

  • 🐛 Buggy and glitchy
  • 💰 Requires paid upgrade for basic features
  • 🔒 No cloud sync or backup

More Pay Off Debt Tracker apps to explore

4
Loan & Debt Tracker
Loan & Debt Tracker
Loan & Debt Tracker
Debt-free journey
Free
💼 Business
(2)
5
PaidOff: Debt Tracker
PaidOff: Debt Tracker
PaidOff: Debt Tracker
Smart debt tracking & insights
Free

Track and manage your debts with ease using this application. Visualize your debt through graphs and stay on top of your financial goals. Take control of your finances today!

💰 Finance
(7)
6
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!

💰 Finance
(356K)
7
Debt Snowball - Payoff Planner
Debt Snowball - Payoff Planner
Debt Snowball - Payoff Planner
Credit card & payment tracker
Free

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.

💰 Finance
(1K)
8
Debt Payoff Planner : Tracker
Debt Payoff Planner : Tracker
Debt Payoff Planner : Tracker
Loan Calculator & Snowball
Free
💰 Finance
(1)
9
Debt Guide - Payoff Planner
Debt Guide - Payoff Planner
Debt Guide - Payoff Planner
Snowball Calculator & Tracker
Free

Debt Payoff Planner Tracker: The ultimate app to take control of your finances and become debt-free faster. Manage, track, and pay off multiple debts using proven strategies like the Snowball and Avalanche methods. Enjoy a seamless, ad-free experience with personalized repayment plans, payment reminders, and insightful analytics to help you achieve financial freedom.

💰 Finance
(35)
10
Ditch: Pay Off Debt Faster
Ditch: Pay Off Debt Faster
Ditch: Pay Off Debt Faster
Automate Payoff & Track Debt
Free

An innovative financial app that helps users pay off debts while making everyday purchases. Easily manage and track your payments in real-time. Take control of your finances with Ditch!

💰 Finance
(967)
11
Debt Payoff Tracker & Planner
Debt Payoff Tracker & Planner
Debt Payoff Tracker & Planner
Due Dates and Reminders
Free
💰 Finance
(1)
12
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.

💼 Business
(260)
13
Gauss: Payoff Credit Card Debt
Gauss: Payoff Credit Card Debt
Gauss: Payoff Credit Card Debt
Manage Debt, Credit & Budget
Free

Simplify debt management and track credit card payoff progress with a user-friendly application designed to streamline financial tracking and goal achievement. Take control of your finances today.

💰 Finance
(3.1K)
14
Debt Free –Pay Off Debt Faster
Debt Free –Pay Off Debt Faster
Debt Free –Pay Off Debt Faster
With Debt Snowball Method
Free
$0.99 | 100% OFF

A comprehensive debt management app utilizing the Debt Snowball method, featuring various tools like quick debt summaries, progress bars, payment due date reminders, and multiple payoff strategies. Users can track multiple debts, analyze repayment scenarios, and sync data across devices. Embark on your journey to financial freedom with Debt Free - Pay Off your Debt app!

💰 Finance
(945)
15
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.

💰 Finance
(7.6M)
16
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!

💰 Finance
(5.2K)
17
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.

💰 Finance
(9)
18
Debt Tracker App by UnDebt
Debt Tracker App by UnDebt
Debt Tracker App by UnDebt
Debt Payoff Planner & Loans
Free
$4.99 | 100% OFF
💰 Finance
(2)
19
Achieve GOOD: Get Out Of Debt
Achieve GOOD: Get Out Of Debt
Achieve GOOD: Get Out Of Debt
Debt Relief & budget app
Free

Track and manage your debts effectively with this user-friendly app. Stay on top of your financial goals and progress towards becoming debt-free. Download now to take control of your finances!

💰 Finance
(809)
20
PayUp: Personal Debt Tracker
PayUp: Personal Debt Tracker
PayUp: Personal Debt Tracker
They borrowed. Time to Pay Up
Free

Stay on top of what people owe you with this simple and secure debt tracking app. Download now to log debts, track payments, and easily divide group expenses with a private and secure record of your payment history.

💰 Finance
(3)

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