Best of 14 apps to pay off debt on Android, iPhone

Rocket Money, NerdWallet, Bill Payment Organizer, and Budget are just a few of the top-rated debt payoff apps available for Android and iPhone. Whether you're looking to create a budget, track your spending, or get personalized advice, there's an app that can help you reach your financial goals.

App Logo Available On Reviews Downloads Features
1. Rocket Money Rocket Money Icon Android, iOS 4.3/5 9M+ Track net worth, Cancel subscriptions, Negotiate lower bills
2. NerdWallet NerdWallet Icon Android, iOS 4.8/5 2M+ Track all accounts, Monitor credit score, Get personalized tips
3. Bill Payment Organizer, Budget Bill Payment Organizer, Budget Icon Android, iOS 4.6/5 1M+ Bill payment organizer, Budget planner, Expense tracker
4. Bright Bright Icon Android, iOS 5/5 997K+ Consolidate multiple debt, Build Credit, Personalized money plans
5. Tally Tally Icon Android, iOS 4.4/5 960K+ Automated debt management, Debt consolidation, Lower-interest credit line
6. Debt Payoff Planner & Tracker Debt Payoff Planner & Tracker Icon Android, iOS 4.7/5 617K+ Customized debt repayment schedule, Calculates debt-free date
7. Debt Planner & Calculator Debt Planner & Calculator Icon Android, iOS 3.7/5 115K+ Calculates debt payoff time, Supports up to 6 debts
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1. Rocket Money

Rocket Money Icon

Track net worth, Cancel subscriptions, Negotiate lower bills


Cost: Free, Premium (9.99)

Rocket Money is a mobile app that helps you manage your finances and pay off debt. It tracks your spending, identifies areas where you can save money, and negotiates lower bills on your behalf. Rocket Money also provides personalized recommendations on how to improve your financial health. The app is free to download and use, and it has helped users save millions of dollars in debt.

Download:

Rocket Money - Track net worth, Cancel subscriptions, Negotiate lower bills
  • Tags:
  • Net worth tracking
  • Subscription management
  • Bill negotiation

Application information:

Downloads 8,735,985
Features Manage and cancel subscriptions, lower bills, track expenses, create budgets, and get personalized financial advice.
Pros Easy to use, helps save money, provides personalized financial advice.
Cons Some features require a paid subscription, may not be able to connect to all financial accounts.

✨ Read more: app for saving money

2. NerdWallet

NerdWallet Icon

Track all accounts, Monitor credit score, Get personalized tips


Cost: Free, Premium (14.99)

NerdWallet is a mobile app that helps you track your credit, budget, and finances. It also provides personalized recommendations on how to pay off debt faster. The app is free to download and use, and it has been downloaded over 18 million times. NerdWallet has been featured in Forbes, The Wall Street Journal, and The New York Times.

Download:

NerdWallet - Track all accounts, Monitor credit score, Get personalized tips
  • Tags:
  • Budget Tracking
  • Expense Monitoring
  • Credit Score Insights

Application information:

Downloads 1,802,960
Features NerdWallet helps you make smart money moves with personalized insights, tools, and calculators.
Pros User-friendly interface, personalized recommendations, and comprehensive financial tools.
Cons Can be overwhelming for beginners, may not be suitable for complex financial situations, and requires an internet connection.

Comments and Reviews from users:

Bernadette Eve: “Something seems way off about the app recently. I've been using it for a few years and it's always been really dependable! Now it's saying my credit score went up 5 points too 700, when it's averaged around 765 after panicking and checking my other financial apps. Feels like it's trying to manipulate me to pulling my credit score by showing me inaccurate info about the quality of my credit factors such as saying my payment history is poor when for years it's been at 100%. So bazaar for this app!” – 2/5 in Play Store

Kevin Northrop: “NerdWallet is a great resource for all things financial. Not only does it offer highly informational articles, which makes it worth having alone, but you can very-securely link accounts to it to monitor your finances, spending, and even your credit report! If you care about your finances at all, you should definitely get this app!!! My only complaint is a lack of dark-mode display (as of 5/2024) -- that would be a game changer from an aesthetic viewpoint! Highly recommended!!!” – 5/5 in Play Store

✨ Read more: app to check credit score

3. Bill Payment Organizer, Budget

Bill Payment Organizer, Budget Icon

Bill payment organizer, Budget planner, Expense tracker


Cost: Free, Pro (4.99)

Bill Payment Organizer, Budget is a mobile app that helps users manage their finances and pay off debt. The app offers a variety of features to help users track their spending, create budgets, and set financial goals. The app also provides reminders for upcoming bills and allows users to set up automatic payments. Bill Payment Organizer, Budget is a valuable tool for anyone looking to get out of debt and improve their financial health. With its user-friendly interface and comprehensive features, the app makes it easy to manage your money and achieve your financial goals.

Download:

Bill Payment Organizer, Budget - Bill payment organizer, Budget planner, Expense tracker
  • Tags:
  • Bill Payment Organizer
  • Budget Planner
  • Expense Tracker

Application information:

Comments and Reviews from users:

Alejandro Rodriguez: “Exactly what I was looking for to visualize my budget. I'm coming from using the Google sheets budget templates. I love all the categories of spending and income that are in the app. Super simple to use and navigate. Impressed on how accurate it keeps the balance to date, even if I missed inputing an expense I can go and edit the date and it'll fix the balance. Highly recommend.” – 5/5 in Play Store

Tom Dib: “Looking for Prism replacement(went out of service) and, so far, this app seems to be fitting the requirements - main one being able to sync information between devices. Just using the Free basic functions while learning and getting set up but may opt for some paid options (i.e.: backup, etc} in the future. Has constant ads but not overly distracting. Like most apps of this type there is a learning period . UPDATE: Does not Sync and Loses Data --- Cannot Recommend until fixed.” – 2/5 in Play Store

✨ Read more: app to cancel subscriptions

4. Bright

Bright Icon

Consolidate multiple debt, Build Credit, Personalized money plans


Cost: Free, Premium (9.99)

Bright is a mobile app that helps you pay off debt faster and build credit. It uses artificial intelligence to create a personalized plan that fits your budget and goals. Bright negotiates lower interest rates with your creditors, and it tracks your progress and provides support along the way. With Bright, you can save money on interest, improve your credit score, and achieve your financial goals faster.

Download:

Bright - Consolidate multiple debt, Build Credit, Personalized money plans
  • Tags:
  • Debt Consolidation
  • Credit Building
  • Personalized plans

Application information:

Downloads Over 1 million downloads
Features Bright is a budgeting and debt management app that helps users track their spending, create budgets, and pay down debt faster. It also offers credit monitoring and personalized financial advice.
Pros Easy to use, helps users save money and improve their financial health.
Cons Some users have reported that the app can be buggy and that customer service is not always responsive.

Comments and Reviews from users:

Michael Evans: “Great app for bringing your finances into focus. If you have multiple cards, relieves the stress of paying on time. (One caution: not all cards are accessible, so pay attention to the ones you have to pay manually). As well, there is a systematic method of achieving financial goals, such as emergency funds, house down payments, etc. Customer support is readily available and quick to resolve issues.” – 4/5 in Play Store

Demilo Dixon: “I'm going to use the app because it has all my credit cards in one place so I can see all the due dates, that is a plus. However the Plaid connection is extremely difficult to establish with certain accounts, certain accounts do not come over with all the information and it repeatedly asked you to correct the same information that you just corrected, also reading some of the reviews it really doesn't seem very great at the algorithm to determine how much money you need to actually get by.” – 2/5 in Play Store

✨ Read more: app to borrow money

5. Tally

Tally Icon

Automated debt management, Debt consolidation, Lower-interest credit line


Cost: Free ($0), Premium ($29/month)

Tally is a mobile app that helps you pay off credit card debt faster by consolidating your balances into a single, lower-interest loan. It offers a simple and convenient way to manage your debt, with features like automatic payments, personalized payment plans, and credit monitoring. Tally has helped over 900,000 people save money and get out of debt faster, and it has received positive reviews from users and experts alike.

Download:

Tally - Automated debt management, Debt consolidation, Lower-interest credit line
  • Tags:
  • Automated debt manager
  • Save money and time
  • Consolidate credit cards

Application information:

Downloads 960,098
Features Tally helps you pay off your credit cards faster by offering a line of credit with a lower interest rate than most credit cards.
Pros Lower interest rates than most credit cards, Easy to apply and get approved, No prepayment penalty.
Cons Only available to US citizens and permanent residents, Requires a good credit score to qualify, May not be the best option for everyone.

Comments and Reviews from users:

A Google user: “I was searching for a consolidation loan for months and all but given up. The few offers I received had outrageous interest rates. I had a perfect payment history and although my credit usage was high, I couldn't believe it was so difficult. Then one morning I found Tally via an online ad. I quickly researched them and followed the easy sign up procedure. In about half an hour I had an 8k loan. It was so easy. I'm quickly getting my credit card debt under control. Thanks Tally!” – 5/5 in Play Store

A Google user: “A credit card balance transfer app that promises to save you money by paying down highest APR first. It's not a new concept in smart finance principles, but it's adding convenience in analyzing the cards for you and automatically making your card payments based on a line of credit you receive from Tally. For debt consolidation, this may be a wise choice to consider as one aspect of your overall plan to become debt-free. The app is simple and fairly intuitive to setup. Overall, great app!” – 4/5 in Play Store

✨ Read more: app for budgeting

6. Debt Payoff Planner & Tracker

Debt Payoff Planner & Tracker Icon

Customized debt repayment schedule, Calculates debt-free date


Cost: Free, Pro (4.99)

Debt Payoff Planner & Tracker is a mobile app that helps you create a personalized plan to pay off your debt faster. It takes into account your income, expenses, and debts to create a realistic plan that you can stick to. The app also tracks your progress and provides motivation to keep you on track. With Debt Payoff Planner & Tracker, you can finally take control of your debt and achieve financial freedom.

Download:

Debt Payoff Planner & Tracker - Customized debt repayment schedule, Calculates debt-free date
  • Tags:
  • Customized Debt Repayment
  • Debt Payoff Strategies
  • Easy Loan Calculator

Application information:

Downloads 617121
Features Organize and track your debts, create a snowball or avalanche plan, get personalized payoff schedules, and receive motivational support.
Pros Easy to use, helps you stay motivated, and provides personalized payoff schedules.
Cons Can be tedious to enter all your debts, may not be suitable for complex debt situations, and lacks some advanced features found in other debt payoff apps.

Comments and Reviews from users:

A Google user: “This app is great!!!! Highly recommend for those of us trying to go through a plan to get debt paid off. (FPU for example!) However, there are a couple of bugs in the application... 1. It tends to lock up. 2. There's something weird with the date when you edit the payments. It won't save the date unless you calculate or use the other option (which I can't remember what it is right now) within the edit functionality. Once you understand the issue, it's easy enough to work around though.” – 4/5 in Play Store

A Google user: “I love that this is simple and can follow Dave Ramsey's debt snowball. I hate that it freezes every few minutes. I took me several attempts to get all my debts into the system. It would crash repeatedly with almost every entry. This morning, again, I am not able to update payments without it freezing up and hav in my to restart. I'm hoping this gets fixed because I really enjoy the simplicity of the app.” – 3/5 in Play Store

7. Debt Planner & Calculator

Debt Planner & Calculator Icon

Calculates debt payoff time, Supports up to 6 debts


Cost: Debt Planner & Calculator - Free, Debt Planner & Calculator - Premium (4.99)

Debt Planner & Calculator is a mobile app that helps you organize and calculate your debt so you can pay it off faster. It has a built-in banking ledger that tracks your income and expenses, and a simple UI that makes it easy to use. The app also offers personalized debt repayment plans and tips on how to save money and avoid debt in the future. With Debt Planner & Calculator, you can take control of your debt and achieve financial freedom.

Download:

Debt Planner & Calculator - Calculates debt payoff time, Supports up to 6 debts
  • Tags:
  • Debt Organization
  • Monthly Finance Plan
  • Payoff Strategy Guide

Application information:

Downloads 115433
Features Organize and Calculate Your Debt. A Built-in Banking Ledger. A Simple UI!
Pros Easy to use, well-designed, and feature-rich.
Cons Can be a bit complex for some users, and the free version is limited.

Comments and Reviews from users:

A Google user: “This app is great. I can track my debts and bank account balances together. It does not download from the internet which is what I wanted. I like having a tool that can track all of my balances manually that includes a plan for paying off debt.” – 5/5 in Play Store

A Google user: “So far it seems great! Would be awesome to be able to have 2 different lists of debt, one for myself and one for my husband, as I am mainly the one who takes care of the finances.” – 4/5 in Play Store

8. Changed

Changed Icon

Round up spare change, Pay down debt faster, Save money automatically


Cost: Changed: Pay Off Debt Faster (Free), Changed Pro ($2.99/month)

Changed is a mobile app that helps you pay off debt faster by rounding up your spare change and putting it towards your balance. It's a simple and effective way to save money without having to change your spending habits. You can set up Changed to round up your purchases to the nearest dollar, five dollars, or ten dollars. The app will then automatically transfer the rounded-up amount to your debt account. Over time, these small savings can add up to a significant amount of money. Changed is a great way to get out of debt faster and start saving for the future.

Download:

Changed - Round up spare change, Pay down debt faster, Save money automatically

Application information:

Downloads 56,158
Features Simplified Round-Ups, Auto-Savings, Debt Paydown Options, Virtual Card for Spending, Gamification and Rewards for Saving
Pros Easy to use, Automation features, Integration with various banks
Cons Fees for certain features, May not be suitable for all financial situations, Limited investment options

Comments and Reviews from users:

A Google user: “This has the potential to be a really great app, but the fact it takes about a week+ with moderate spending to update transactions can be a huge thorn in ones side when budgeting. It's a bit overly complicated when you could easily set up a Roundup account at most banks and dedicate a savings account to your student loans. Overall, a good concept, just not executed well.” – 2/5 in Play Store

A Google user: “Still needs work! It's a great idea for an app, but the updating of your balance and processing transfers to loan providers is so SLOW...considering I can Zelle money to someone in 2 seconds! You can't even view your ChangeEd account like a normal bank account. If you want faster, then just save an extra amount of your check yourself.” – 3/5 in Play Store

9. Debt Tracker

Debt Tracker Icon

Tracks debts owed to you, Manages debts you owe, Detailed debt history


Cost: Debt Tracker Free (Free), Debt Tracker Pro ($4.99)

Debt Tracker is a mobile app that helps you track and pay off your debts. It's simple to use: just add your debts, set up a payment plan, and track your progress. Debt Tracker will send you reminders when payments are due, and it will show you how much you've paid off over time. With Debt Tracker, you can finally get out of debt and take control of your finances.

Download:

Debt Tracker - Tracks debts owed to you, Manages debts you owe, Detailed debt history
  • Tags:
  • Easy debt tracking
  • Manages multiple debts
  • Detailed debt history

Application information:

Downloads 29682
Features Easily track money owed to you or that you owe to others.
Pros Simple debt tracking.
Cons No advanced features like reminders or multiple currencies.

Comments and Reviews from users:

D T: “I've tried so many debt trackers and this one is perfect, simple no extra stuff, clean design One suggestion would be an area to upload/take a photo of a receipt” – 5/5 in Play Store

slappyrats: “Just downloaded it and it does exactly what I was looking for, simple and easy to use!” – 5/5 in Play Store

10. EzDebt Book

EzDebt Book Icon

Record with Attachments, Cloud Syncing, Security Protection


Cost: Free, Premium (4.99)

EzDebt Book: Your Debt Management Companion

EzDebt Book is a mobile application designed to help you manage and pay off your debts effectively. With its user-friendly interface and comprehensive features, you can easily track your debts, set repayment goals, and receive reminders to stay on top of your payments. EzDebt Book empowers you to take control of your finances, reduce stress, and achieve financial freedom.

Download:

EzDebt Book - Record with Attachments, Cloud Syncing, Security Protection
  • Tags:
  • Easy Loan Tracking
  • Secure Data Protection
  • Convenient Profile Management

Application information:

Downloads 22684
Features EzDebt Book helps you keep track of your debts and never miss a payment by sending push notifications and automatically calculating your next payment due date.
Pros Simple and easy to use, never miss a payment, get reminders and notifications, track multiple debts.
Cons No integration with online banking, not suitable for complex debt management, limited customization options.

Comments and Reviews from users:

Jeanne: “Easy to use, every details could be recorded and even export to pdf file! Convenient to share and remind in practical way. Maybe more icons to make it looks more attractive.” – 5/5 in Play Store

Pramod Tyagi: “Very easy to keep track of money owed to me and owed by me. Perfect app for me. Only gripe I have is that the transactions for one particular day do not seem to follow any order - which is confusing. They appear in any row at random. Should be sorted by time of entry.” – 5/5 in Play Store

11. Debt Free Box

Debt Free Box Icon

Track debts in one place, Create payoff plans, Stay motivated


Cost: Debt Free Box: Debt Payoff Planner (Free), Debt Free Box (No Ads) ($1.99)

Debt Free Box is a mobile app that helps users create a personalized debt payoff plan. The app uses either the debt snowball or debt avalanche method to help users prioritize their debts and make extra payments. Debt Free Box also includes a loan calculator to help users estimate their monthly payments and track their progress over time. The app is available for free on iOS and Android devices.

Download:

Debt Free Box - Track debts in one place, Create payoff plans, Stay motivated
  • Tags:
  • Easy to use
  • Debt payoff management
  • Debt tracking

Application information:

Downloads 13551
Features Debt Payoff Planner with Snowball and Mortgage Loan Calculator
Pros Easy to use, Helps you stay motivated, Tracks your progress
Cons Can be overwhelming for some users, Not as comprehensive as some other debt payoff apps

Comments and Reviews from users:

Mama Bear: “Best Debt Tracker App Ive downloaded! Been using now for c.2 months, simple and clear- can easily see my debts in one place, my progress and how long it will take to get to my debt free date. Love being able to get an idea of future balances on future dates- good motivation! Only reason for 4 stars is because you can't order the debts by debt free date - developers can you add this feature?” – 4/5 in Play Store

Hopelessdecoy: “Great and very simple debt tracker. Could really use some quality of life features like a dark mode. Functionally having the ability to add a transaction or modify a payment on the debt if I pay more or less one month would be nice.” – 4/5 in Play Store

12. My Debt Manager

My Debt Manager Icon

Recurring payment tracking, Debt AI Chat support, Automatic data backup


Cost: My Debt Manager Basic (Free), My Debt Manager Premium ($4.99/month)

My Debt Manager is the ultimate debt payoff solution for your mobile device. With its user-friendly interface and powerful features, you can effortlessly track your debts, create personalized payment plans, and stay motivated as you work towards financial freedom. Whether you're managing personal loans, credit card balances, or business expenses, My Debt Manager provides the tools and guidance you need to take control of your debt and achieve your financial goals faster.

Download:

My Debt Manager - Recurring payment tracking, Debt AI Chat support, Automatic data backup
  • Tags:
  • Debt tracking
  • Payment reminders
  • Easy Interface

Application information:

Downloads 10240
Features Manage your debts, Track your progress, Receive reminders, Generate reports.
Pros Easy to use, Secure, Helps you stay organized.
Cons Can be time-consuming to enter all of your debts, May not be suitable for complex financial situations.

Comments and Reviews from users:

Ghazali Kabiru: “Agreed. This is the best debt manager I've been looking for 💯💯” – 5/5 in Play Store

SyntApps Development: “Practical app with nice animation and cool transitions and loading ui/ux” – 5/5 in Play Store

13. DebtApp

DebtApp Icon

View unsecured debt, Manage debt settlement offers


Cost: Free, Premium (9.99)

DebtApp is a mobile app that helps users pay off debt faster by providing personalized debt repayment plans, budgeting tools, and credit monitoring. The app connects to your financial accounts and analyzes your spending habits to create a customized plan that fits your unique financial situation. DebtApp also offers educational resources and support from a community of other users who are working to pay off debt. With its user-friendly interface and comprehensive features, DebtApp has helped thousands of people achieve their financial goals and become debt-free.

Download:

DebtApp - View unsecured debt, Manage debt settlement offers

Application information:

Downloads 6655
Features Budgeting, negotiation, debt arbitration, credit monitoring and improvement, debt settlement, expense and bill tracking, connection to financial advisors
Pros Easy to use, comprehensive features, helps improve credit score and reduce debt
Cons May not be suitable for complex financial situations, requires a subscription for full functionality, some users have reported issues with customer service

Comments and Reviews from users:

pixelchrissy: “WHEN it loads, it’s fantastic to see your accounts….. but that’s WHEN it loads. It tells me often I’m on a slow network when I’m on Wi-Fi at home or my data in the city and it doesn’t matter where I am, I’m “on a slow network” when I know that’s not the case.” – 2/5 in App Store

14. Debt Payoff Manager & Tracker

Debt Payoff Manager & Tracker Icon

Overdue reminders, Cross-platform backup, Creditor/debtor statistics


Cost: Free, Paid (4.99)

Debt Payoff Manager & Tracker is a mobile app that helps you track your debt and create a plan to pay it off. The app allows you to add your debts, including the balance, interest rate, and minimum payment. You can then create a payoff plan that outlines how much you will pay each month and when you will be debt-free. The app also provides reports that show your progress and help you stay motivated. Debt Payoff Manager & Tracker is a valuable tool for anyone who wants to get out of debt and improve their financial health.

Download:

Debt Payoff Manager & Tracker - Overdue reminders, Cross-platform backup, Creditor/debtor statistics
  • Tags:
  • Debt tracking
  • Loan management
  • Interest Calculations

Application information:

Downloads 4881
Features Debt Payoff Manager & Tracker app helps you manage and payoff your debts by tracking your debtors and creditors
Pros Easy to use, Helps track debts and creditors, Create reports
Cons No free trial, Not available for iOS

Comments and Reviews from users:

Arnold Masondo: “Pretty good, if only you could sink and be able to link multiple users” – 4/5 in Play Store

Aiden Agayo: “Almost good... Because I can add books for business purposes to 5 books. To the listing part I suggest that debtor's records must be conbined and calculated for a one time payment or as what they can pay for. That's all” – 3/5 in Play Store