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Best Pay Off Debt Tracker Apps

250+ iOS apps curated and reviewed

4.8 avg rating
20 free apps
Updated July 2026

Looking for free pay off debt tracker apps? 20 of our 250+ tracked titles are free to download — no subscription, no trial. The rest are premium picks worth paying for.

Compare top Pay Off Debt Tracker Apps (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Debt Payoff Planner & TrackerDebt Payoff Planner & TrackerFree4.7★ (7.2K)YesYesAug 2026
2Debt Payoff Box: Snowball PlanDebt Payoff Box: Snowball PlanFree4.5★ (2.4K)NoYesAug 2026
3Debt Payoff Tracker & PlannerDebt Payoff Tracker & PlannerFree5.0★ (7)NoYesAug 2026
4Payoff — Debt TrackerPayoff — Debt TrackerFree—NoYesJul 2026
5Ditch: Pay Off Debt FasterDitch: Pay Off Debt FasterFree4.8★ (1.5K)YesYesAug 2026
6Debt Compass - Card TrackerDebt Compass - Card TrackerFree—NoNoJun 2026
7Debt Payoff Tracker - DebtFreeDebt Payoff Tracker - DebtFreeFree—NoYesJul 2026
8Runway: Debt Payoff PlannerRunway: Debt Payoff PlannerFree—NoYesJul 2026

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😊(7.2K 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

  • 💯 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#2

Debt Payoff Box: Snowball Plan by Natalia Alekseenko

Loan Tracker and Planner
Strong Contender
💰 Finance
4.5😞(2.4K 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

This app helps you organize and plan to pay off your debts efficiently. It supports various payoff strategies and allows you to track your progress, offering insights into interest and time savings. Get a clear overview of all your debts in one place to achieve financial freedom.

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
Payoff — Debt Tracker
Payoff — Debt Tracker
Payoff — Debt Tracker
Crush debt. Keep more money.
Free
💰 Finance
(0)
5
Ditch: Pay Off Debt Faster
Ditch: Pay Off Debt Faster
Ditch: Pay Off Debt Faster
Automate Payoff & Track Debt
Free

Effortlessly pay down debt with automated roundups from your purchases. Track all your loans, gain personalized insights from an AI assistant, and discover debt-friendly budgeting strategies to reach your financial goals faster.

Automated purchase roundups to debtSmart debt tracking and progress visualizationAI financial assistant for insights
💰 Finance
(1.5K)
free with in-app purchases
6
Debt Compass - Card Tracker
Debt Compass - Card Tracker
Debt Compass - Card Tracker
Track and Pay Off Your Debt
Free
💰 Finance
(0)
7
Debt Payoff Tracker - DebtFree
Debt Payoff Tracker - DebtFree
Debt Payoff Tracker - DebtFree
Snowball & Avalanche Planner
Free
💰 Finance
(0)
8
Runway: Debt Payoff Planner
Runway: Debt Payoff Planner
Runway: Debt Payoff Planner
Snowball & Avalanche Tracker
Free
💰 Finance
(0)
9
Knot - Track Debt with Friends
Knot - Track Debt with Friends
Knot - Track Debt with Friends
Shared Balances, Simplified
Free
💰 Finance
(0)
10
Payoff GO: Debt Payoff
Payoff GO: Debt Payoff
Payoff GO: Debt Payoff
Debt Tracker & debt payoff
Free
💰 Finance
(0)
11
Debt Payoff Tracking & Planner
Debt Payoff Tracking & Planner
Debt Payoff Tracking & Planner
Debt Snowball Calculator
Free
💰 Finance
(0)
12
Debtoff – Debt Payoff Planner
Debtoff – Debt Payoff Planner
Debtoff – Debt Payoff Planner
Loan Calculator & Tracker
Free

Organize and manage all your loans, mortgages, and debts in one place. Set up repayment schedules, receive timely reminders to avoid late fees, and track your progress towards becoming debt-free.

All-in-one debt and loan managementRepayment schedule and remindersLoan and debt repayment planning
🔧 Utilities
(2)
freemium
13
LoanGrid: Loan Money Tracker
LoanGrid: Loan Money Tracker
LoanGrid: Loan Money Tracker
Debt payoff, budget, expenses
Free
💰 Finance
(0)
14
Debt off planner
Debt off planner
Debt off planner
Debt Tracker & Repayment Plan
Free
💰 Finance
(0)
15
Debt Crush: Payoff Planner
Debt Crush: Payoff Planner
Debt Crush: Payoff Planner
Snowball & Avalanche Tracker
Free
💰 Finance
(0)
16
Payment Tracker: Debt & Credit
Payment Tracker: Debt & Credit
Payment Tracker: Debt & Credit
Simple Ledger for Payments
Free
📊 Productivity
(0)
17
Tortol - Installments Tracker
Tortol - Installments Tracker
Tortol - Installments Tracker
Personal Installments Tracker
Free
💰 Finance
(0)
18
DebtCleared: Payoff Tracker
DebtCleared: Payoff Tracker
DebtCleared: Payoff Tracker
Manage loans & track payments
Free
$9.99 | 100% OFF
🌟 Lifestyle
(0)
19
Payfin: Debt Payoff Planner
Payfin: Debt Payoff Planner
Payfin: Debt Payoff Planner
Loan, Credit & Budget Tracker
Free
💰 Finance
(0)
20
Debt & IOU Tracker
Debt & IOU Tracker
Debt & IOU Tracker
Track IOUs & Due Dates
Free
💰 Finance
(0)

FAQ about Pay Off Debt Tracker

What are the best pay off debt tracker apps for iPhone?
Debt Payoff Planner & Tracker tops our pay off debt tracker apps ranking as of July 2026, with a 4.7-star average from 7.2K App Store ratings, and it's free to download.
Yes — 20 of the top pay off debt tracker apps we rank are free to download, including Debt Payoff Planner & Tracker and Debt Payoff Box: Snowball Plan.
Debt Payoff Planner & Tracker shows ads and offers in-app purchases, according to its App Store listing as of July 2026.
We track 250+ pay off debt tracker apps on the iOS App Store as of July 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.