Best Payoff Track Apps

200+ iOS apps curated and reviewed

4.5 avg rating
19 free apps
Updated July 2026

The best payoff track apps on iPhone average 4.5★ across 200+ titles — we've ranked them by what real users actually keep on their phones. Updated July 2026.

Compare top Payoff Track Apps (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1DebtCleared: Payoff TrackerDebtCleared: Payoff TrackerFree was $9.99NoNoMay 2026
2Debt Payoff Planner & TrackerDebt Payoff Planner & TrackerFree4.7★ (6.7K)YesYesJul 2026
3Mortgage Payoff TrackMortgage Payoff TrackFree2.9★ (55)YesNoMay 2026
4EveryDollar: Budget ManagementEveryDollar: Budget ManagementFree4.7★ (84K)YesYesJul 2026
5Changed: Debt Payoff PlannerChanged: Debt Payoff PlannerFree4.6★ (5.3K)YesNoJul 2026
6Ditch: Pay Off Debt FasterDitch: Pay Off Debt FasterFree4.8★ (1.4K)YesYesJul 2026
7Debt Free - Snowball AvalancheDebt Free - Snowball AvalancheFree4.7★ (1.3K)NoYesJul 2026
8Spending Tracker : Wise BudgetSpending Tracker : Wise BudgetFree4.8★ (3K)NoYesJul 2026

Top Picks for Payoff Track

Debt Payoff Planner & Tracker#2

Debt Payoff Planner & Tracker by OxbowSoft LLC

Debt Free Snowball Calculator
Strong Contender
💰 Finance
4.7😊(6.7K ratings)
FreeAdsIn-App Purchases
#77in 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
Mortgage Payoff Track#3

Mortgage Payoff Track by Yutaka Onizuka

Worth Considering
💰 Finance
2.9(55 ratings)
FreeAds
Mortgage Payoff Track screenshot 1
Mortgage Payoff Track screenshot 2
Mortgage Payoff Track screenshot 3
Mortgage Payoff Track screenshot 4
Mortgage Payoff Track screenshot 5
Mortgage Payoff Track screenshot 6

Monitor your mortgage payoff progress and additional principal payments. Visualize your loan reduction and interest savings with customizable graphs. Supports various payment frequencies and data import/export.

More Payoff Track apps to explore

4
EveryDollar: Budget Management
EveryDollar: Budget Management
EveryDollar: Budget Management
Track Income, Bills & Spending
Free

This app helps you create custom budgets, track expenses, and manage your money effectively. It aims to reveal hidden savings and empower you to pay off debt, build wealth, and achieve your financial goals.

Create custom budgetsTrack expenses and transactionsManage bills and income
💰 Finance
(84K)
free with in-app purchases
5
Changed: Debt Payoff Planner
Changed: Debt Payoff Planner
Changed: Debt Payoff Planner
Track Debt, Pay It Down Faster
Free

This app helps you pay off debt faster by automating extra payments from everyday purchases and allowing you to track all your balances in one place. It supports various proven payoff strategies and calculates potential interest savings.

Automated extra paymentsRound up purchasesTrack all debt types
💰 Finance
(5.3K)
free with in-app purchases
6
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
(1.4K)
free with in-app purchases
7
Debt Free - Snowball Avalanche
Debt Free - Snowball Avalanche
Debt Free - Snowball Avalanche
Payoff loans & credit cards
Free

This app helps you get out of debt faster by implementing popular payoff strategies like Snowball and Avalanche. Track multiple debts, set payment schedules, and monitor your progress to save money on interest and become debt-free sooner.

Add multiple debtsChoose repayment frequencyTrack payments
💰 Finance
(1.3K)
free with in-app purchases
8
Spending Tracker : Wise Budget
Spending Tracker : Wise Budget
Spending Tracker : Wise Budget
Track Expenditure, Income&debt
Free

Manage your income and expenses with this app. Track spending, customize budget categories, and analyze your financial habits with real-time monitoring and visual reports. Secure your data with biometric authentication and cloud backups.

Expense trackingBudget managementCustomizable categories
💰 Finance
(3K)
freemium
9
PocketGuard・Budget Planner App
PocketGuard・Budget Planner App
PocketGuard・Budget Planner App
Expense & Subscription Manager
Free

This app simplifies personal finance by automatically tracking expenses and bills. It helps you understand your disposable income, analyze spending habits, and manage subscriptions to save money. Set financial goals and create debt-payoff plans with smart algorithms.

Automatic expense trackingBill and subscription monitoringDisposable income calculation
💰 Finance
(7.6K)
free with in-app purchases
10
YNAB
YNAB
YNAB
Never worry about money again
Free

This app helps users gain control of their finances by creating flexible spending plans, tracking expenses, and managing debt. It aims to reduce financial stress and empower users to reach their goals. Features include account linking, manual transaction entry, and collaborative planning for multiple users.

Create and share unlimited spending plansAutomatically import transactionsManually add transactions
💰 Finance
(61K)
subscription
11
Checkbook - Account Tracker
Checkbook - Account Tracker
Checkbook - Account Tracker
Spending, Income and Cashflow
Free

Manage your daily finances with this app, tracking credit card charges, cash expenditures, and more. It offers multiple accounts, recurring transactions, fund transfers, and detailed reports with graphs. Easily search and export your financial data.

Multiple account trackingRecurring transaction savingFund transfers between accounts
💰 Finance
(14K)
subscription
12
onX Hunt: GPS Hunting Maps
onX Hunt: GPS Hunting Maps
onX Hunt: GPS Hunting Maps
Compass, Wind & Property Info
Free

Plan and execute hunts with advanced GPS navigation, detailed land boundary information, and species data. Access offline maps, weather forecasts, and integrate with compatible hunting tools for a more organized and efficient experience.

GPS navigationNationwide land boundariesOffline maps
🗺️ Navigation
(274K)
free with in-app purchases
13
Rocket Money - Bills & Budgets
Rocket Money - Bills & Budgets
Rocket Money - Bills & Budgets
Subscription & Expense Manager
Free

This personal finance app helps you manage your money by tracking expenses, creating budgets, and automating savings. It also finds and cancels forgotten subscriptions and negotiates lower rates on your existing bills.

Cancel forgotten subscriptionsNegotiate lower billsTrack monthly expenses
💰 Finance
(371K)
free with in-app purchases
14
Big Bus Tours
Big Bus Tours
Big Bus Tours
Bus Tracking, Tickets & Guide
Free

Explore over 20 cities worldwide with real-time bus tracking, interactive maps, and detailed stop information. Discover landmarks, attractions, and dining options with helpful facts and offers. Purchase tour and attraction tickets securely within the app.

Real-time bus trackingInteractive city mapsDetailed stop information
✈️ Travel
(24K)
free
15
Pay Off Debt by Jackie Beck
Pay Off Debt by Jackie Beck
Pay Off Debt by Jackie Beck
Your best debt payoff plan
$4.99

This app helps you create and stick to a debt payoff plan using methods like debt snowball or avalanche. Visualize your progress and stay motivated on your journey to becoming debt-free.

Debt payoff planningDebt snowball methodDebt avalanche method
💰 Finance
(34)
paid
16
TwinSpires Bet on Horse Racing
TwinSpires Bet on Horse Racing
TwinSpires Bet on Horse Racing
Top Horse Betting & Race Stats
Free

Legally bet on horse races from around the world. Access live racing, results, news, and expert picks. Features a fast wager pad and secure funding options.

Live horse racing streamingUp-to-the-minute racing infoFast wager pad for multi-leg bets
⚽ Sports
(90K)
free with in-app purchases
17
Loan Calculator - Debt Planner
Loan Calculator - Debt Planner
Loan Calculator - Debt Planner
Mortgage, Car, School, Payday
Free

This app helps you understand the true cost of loans and mortgages by revealing total interest paid and payoff timelines. It allows for scenario comparisons, extra payment analysis, and detailed amortization schedules. Visualize your debt journey with graphs and access bonus calculators.

Reveals total interest paidCalculates debt-free dateAnalyzes extra payment savings
💰 Finance
(22K)
free with in-app purchases
18
Debt Payoff Assistant
Debt Payoff Assistant
Debt Payoff Assistant
by Steve Tran
Free

This app helps you pay off debts faster using popular methods like the debt-snowball. Track multiple debts, set custom payoff strategies, and visualize your progress with charts and reports. Get payment reminders and secure your financial data.

Debt-snowball methodMultiple debt trackingCustom payoff strategies
💰 Finance
(137)
ad-supported
19
Kikoff – Build Credit Quickly
Kikoff – Build Credit Quickly
Kikoff – Build Credit Quickly
Grow & Track Your Credit
Free

Build credit quickly and effectively with this app. It reports your on-time payments to major credit bureaus, helping to improve your credit score. Offers plans starting at $5 per month with no credit checks or interest.

Build credit quicklyReports to Equifax, Experian, TransUnionPlans starting at $5/month
💰 Finance
(256K)
free with in-app purchases
20
Self – Credit Builder & Cash
Self – Credit Builder & Cash
Self – Credit Builder & Cash
Build credit or get cash now.
Free

Build your credit history and savings simultaneously with tools designed to improve your financial wellness. Access quick cash advances for unexpected expenses without a credit check. Report rent and utility payments to boost your score.

Build credit and savings togetherCash advances up to $100Secured Visa credit card with no credit check
💰 Finance
(318K)
free with in-app purchases

FAQ about Payoff Track

Are there free payoff track apps for iPhone?
Yes — 19 of the top payoff track apps we rank are free to download, including DebtCleared: Payoff Tracker and Debt Payoff Planner & Tracker.
DebtCleared: Payoff Tracker has no ads and has no in-app purchases, according to its App Store listing as of July 2026.
We track 200+ payoff track apps on the iOS App Store as of July 2026, ranked by rating, recency, and analysis of real user reviews.