Best Pay Off Debt Tracker Apps

250+ iOS apps curated and reviewed

4.5 avg rating
20 free apps
Updated October 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 (October 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Debt Payoff Planner & TrackerDebt Payoff Planner & TrackerFree4.7★ (7.3K)YesYesOct 2026
2Debt Payoff Box: Snowball PlanDebt Payoff Box: Snowball PlanFree4.5★ (2.4K)NoYesOct 2026
3Ditch: Pay Off Debt FasterDitch: Pay Off Debt FasterFree4.8★ (2.8K)YesYesSep 2026
4Payoff — Debt TrackerPayoff — Debt TrackerFree—NoYesOct 2026
5Debt Tracker by UnDebtDebt Tracker by UnDebtFree5.0★ (4)NoYesSep 2026
6Debt Payoff Tracker & PlannerDebt Payoff Tracker & PlannerFree4.9★ (8)NoYesSep 2026
7Debt Compass - Card TrackerDebt Compass - Card TrackerFree—NoNoJun 2026
8PayUp: Personal Debt TrackerPayUp: Personal Debt TrackerFree5.0★ (3)NoYesMay 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
#72in 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#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
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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 October 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 Debt Payoff Box: Snowball Plan.
Debt Payoff Planner & Tracker shows ads and offers in-app purchases, according to its App Store listing as of October 2026.
We track 250+ pay off debt tracker apps on the iOS App Store as of October 2026, ranked by rating, recency, and analysis of real user reviews.