Best Pay Off Debt Tracker Apps

249+ iOS apps curated and reviewed

4.8 avg rating
20 free apps
Updated September 2026

Looking for free pay off debt tracker apps? 20 of our 249+ 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 (September 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Debt Payoff Planner & TrackerDebt Payoff Planner & TrackerFree4.7★ (7.3K)YesYesSep 2026
2Payoff — Debt TrackerPayoff — Debt TrackerFreeNoYesJul 2026
3Debt Payoff Box: Snowball PlanDebt Payoff Box: Snowball PlanFree4.5★ (2.4K)NoYesSep 2026
4Ditch: Pay Off Debt FasterDitch: Pay Off Debt FasterFree4.8★ (2.3K)YesYesSep 2026
5Debt Payoff Tracker & PlannerDebt Payoff Tracker & PlannerFree4.9★ (8)NoYesSep 2026
6Changed: Automate Debt PayoffChanged: Automate Debt PayoffFree4.6★ (5.6K)YesNoSep 2026
7Debt Compass - Card TrackerDebt Compass - Card TrackerFreeNoNoJun 2026
8PaidOff: Debt TrackerPaidOff: Debt TrackerFree5.0★ (7)NoNoAug 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😊(7.3K ratings)
FreeAdsIn-App Purchases
#65in 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
  • 🤑 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
Debt Payoff Box: Snowball Plan#3

Debt Payoff Box: Snowball Plan by Natalia Alekseenko

Loan Tracker and Planner
Worth Considering
💰 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
  • 🚀 Calculates snowball effect

Room to Improve

  • 🐛 Buggy and glitchy
  • 💰 Requires paid upgrade for basic features
  • 🔒 No cloud sync or backup
  • 🔒 No passcode or security features
  • 💡 Lacks flexibility for extra payments

More Pay Off Debt Tracker apps to explore

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 September 2026, with a 4.7-star average from 7.3K 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 Payoff — Debt Tracker.
Debt Payoff Planner & Tracker shows ads and offers in-app purchases, according to its App Store listing as of September 2026.
We track 249+ pay off 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.