{"app_store_id":1132917036,"slug":"clerkie-payoff-debt-bills-fees-1132917036","name":"Clerkie Payoff Debt Bills Fees","subtitle":"Loan Money Build Credit Budget","icon_url":"https://is1-ssl.mzstatic.com/image/thumb/Purple126/v4/c9/1b/3b/c91b3b80-4482-d9b4-016a-6ea2c89a0381/AppIcon-0-0-1x_U007emarketing-0-5-0-0-85-220.png/512x512bb.jpg","store_url":"https://apps.apple.com/us/app/clerkie-payoff-debt-bills-fees/id1132917036?uo=4","price":0,"currency":"USD","rating":4.77034,"rating_count":2839,"in_app_purchases":false,"recent_rating":null,"recent_review_count":null,"reviews_checked_at":null,"primary_genre":"Finance","version_date":"2023-11-17T02:19:25Z","updated_at":"2026-10-22T17:13:13.365Z","stale":false,"missing_since":null,"one_liner":"Free Finance app for budgeting, debt payoff planning, credit score tracking, and personal loan and credit card offers.","verified_maker":false,"maker_site":null,"file_size_bytes":88133632,"minimum_os":"12.1","content_rating":"4+","language_count":1,"screenshots":["https://is1-ssl.mzstatic.com/image/thumb/PurpleSource124/v4/bb/25/7f/bb257f10-6af0-e0f6-e1e6-a86471fd6ae0/debc1fd7-e1fc-4c14-b00e-2031771bba71_55_01.png/392x696bb.png","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource114/v4/9c/07/bb/9c07bbe4-7eeb-57ce-fdd0-5fbdb7f5b4d4/50a51696-53fb-4a64-9b42-2a5eb9e9b5e5_55_02.png/392x696bb.png","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource124/v4/31/39/71/3139714d-bd65-2d96-719f-83bad4f400fa/c00018f2-a852-44b3-a8dd-73216f8b0f21_55_03.png/392x696bb.png","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource124/v4/38/9d/ff/389dffd5-e469-67de-3b20-481869c4a211/34764486-2b08-4964-a80a-84c016819a3b_55_04.png/392x696bb.png","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource114/v4/3b/c2/08/3bc2089f-9ed3-7d88-0fad-678fa51a8eb8/f04f5c4f-4b73-43da-8fd5-fb6982ae34b8_55_05.png/392x696bb.png","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource114/v4/ca/e6/ed/cae6ed84-7c6a-0b67-d808-bf207ceb0a45/dd4d4369-e6f7-4520-b419-66b25ff71ca7_55_06.png/392x696bb.png","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource114/v4/06/e4/86/06e48663-5cd0-7b0e-fa0e-0c64eef36d74/5373d8f0-a1a5-412c-8eec-95b00576d27d_55_07.png/392x696bb.png","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource114/v4/5d/ca/4d/5dca4d58-d2ea-0f35-a629-a079150f5449/562110c4-302b-4c68-b39e-45be87f141c1_55_08.png/392x696bb.png"],"developer_name":"Henry Labs Inc","editors_choice":false,"url":"https://apptierlist.com/apps/clerkie-payoff-debt-bills-fees-1132917036/","api_url":"https://apptierlist.com/api/v1/apps/clerkie-payoff-debt-bills-fees-1132917036","schema_version":"1.0","generated_at":"2026-10-23T09:42:50.579Z","data_as_of":"2026-10-23T00:09:12.910Z","description":"Clerkie helps you with smart loans and makes it easy to budget, manage money, and pay off credit cards and student loans faster. Clerkie members have an average lifetime savings of $5,300. It’s the SAFE, FAST, and FREE money app\n\nMake the most of this debt payoff planner to boost your credit scores and get out of debt free. From negotiating down your debt, to getting personalized loans and credit card recommendations, to spotting identity theft. Ready to become debt free?\n\n• Negotiate and erase up to 70% of your debt – Instantly negotiate and cut down your debt using this debt manager. Users have saved $1,000s using this feature\n• Get a budget you can stick to – Stick to an automated budget that lets you enjoy your life while paying off your debt and bills\n• Personal loan shopping – Whether you want to refinance credit card debt or borrow for an emergency, we’ll show you personalized offers based on your credit profile\n• Check your free credit scores – Learn what affects your credit scores and how you can take control and increase your credit score\n• Free credit monitoring – Get credit alerts when we see important changes happen to your credit reports.\n• Personalized Approval Odds – See which credit card and personal loan offers you’re more likely to get before applying\n• Credit card choices – Browse great credit card offers based on your unique credit profile\n• Home sweet home – Calculate how much home you can afford, see personalized home loan offers and get a mortgage pre-qualification letter.\n\nJoin thousands of members and get all these features, and more, for free. Download the Clerkie app now!\n\nAs seen on:\n• Yahoo Finance\n• Facebook / Instagram\n• Reddit\n• CNN Money\n• Fortune\n\n\nBANK LEVEL SECURITY\n\n• Clerkie is secured using SSL 256-bit encryption — the same security protocol that banks use — to ensure that your sensitive personal information is fully encrypted and securely stored\n• App uses TouchID and FaceID for added privacy and security\n\nDon't let your debt overwhelm you! Get the simplest step-by-step plan to start paying down debt free. The only required inputs for calculating your debt free date are your loan balance, APR, and minimum payment. That's all you need to get a customized debt payoff planner and schedule. Your debt payoff planner and calculator determines your ability to pay more than the minimum payments to help you get debt free faster than you imagined. This budgeting app helps you pay regular monthly amount to payoff the debt faster\n\nCheckout our lists of awesome features below:\n\n\n*** FEATURES ***\n\nImprove your credit score and payoff your debt free and fast using this debt tracker and financial assistant:\n• Negotiate your debt free and erase up to 70% of your credit card debt\n• Find loans to refinance and consolidate your debt\n• Payoff debt using automated debt snowball method (lowest balance first) or automated debt avalanche (highest interest first)\n\n\nUse this budget app and subscription manager to track and manage money across all your bills, credit cards, banks and credit unions:\n• Track your bank and credit union accounts\n• Pay bills \n• Detect bank fees and penalties, and request refunds directly in the app\n• Identify bills you're overpaying and negotiate to reduce your bills and crush your debt\n• Manage subscriptions\n• Cancel unwanted subscriptions with 1-click and no headaches\n\n\nFind the best loans; regardless of your credit, plan and increase your credit score for major purchases:\n• Money for your bills based on your credit score\n• Mortgage options and improve your credit to buy a house\n• Car loan options and improve your credit to buy a car\n• Build & improve your credit to pay for your travels or anything else\n\n\nClerkie is good for debt tracker, debt management, debt free, debt calculator, student loans, debt consolidation, auto loans, debt control, credit card debt, credit union\n\nClerkie is not affiliated with Klover, Dave, Earnin, MoneyLion, Brigit, Albert, Cleo, Branch, Even, Cash App","facts":{"developer_id":1132917035,"developer_url":"https://www.clerkie.io","first_released":"2016-07-21T08:52:39Z","support_url":"https://www.clerkie.io/","privacy_url":"https://www.clerkie.io/","website_url":"https://www.clerkie.io/","app_version":"0.3.45","release_notes":"Need money for the upcoming tax season? Need money or small loan to pay your bills? Struggling with credit card debt? Don't know what to do with your student loans? Want to improve your credit score? Clerkie got your back!\n\nWhether you're trying to become debt free or just want to improve your credit score to buy a House or a Car... We got you covered! We have some new goodies to help you crush your debt and get refunds for your bank fees!\n\nLastly, if you're a full-time employee, gig economy worker or freelancer, let Clerkie automatically optimize and file your taxes for free!\n\nWe're here to give our loyal Clerkiers what they want. Love you all!\n\nOur app is regularly improved to help you better manage your money and give you the best personalized financial advice. This update also includes security enhancements and squashes some bugs for the latest iPhones and iOS versions.","rating_current_version":4.77034,"rating_count_current_version":2839,"star_counts":[127,19,27,33,2633],"genres":["Finance","Utilities"],"languages":["EN"],"content_advisories":null,"device_families":["iphone","ipod"],"made_for_iphone_duo":null,"chart":null},"freshness":{"apple_read_at":"2026-10-22T17:13:13.365Z","catalog_read_at":"2026-10-20T15:24:13.381Z","reviews_checked_at":null,"summary_written_at":"2026-10-19T06:30:13.846Z","placed_at":"2026-10-19T05:45:12.305Z","scored_at":"2026-10-23T00:09:12.910Z"},"editorial":{"one_liner":"Free Finance app for budgeting, debt payoff planning, credit score tracking, and personal loan and credit card offers.","what_is":"Clerkie Payoff Debt Bills Fees is a free app in the Finance category on the App Store. The listing describes automated budgeting, debt payoff planning using the snowball or avalanche method, credit score checks with monitoring alerts, and personalized loan, credit card, and home loan offers. It also states that it uses SSL 256-bit encryption and supports Touch ID and Face ID.","good_for":["Paying down credit card or student loan balances","Comparing personal loan or credit card offers before applying","Tracking credit scores and getting alerts on report changes"],"pricing":"Clerkie Payoff Debt Bills Fees is free, with no in-app purchases on the App Store.","faq":[{"q":"Does the app cost anything?","a":"The listing says it is free to download and that the features are available for free."},{"q":"Does checking my credit score affect it?","a":"You can check your free credit scores and receive credit monitoring alerts. It does not say whether checking a score affects it."},{"q":"How is my personal information protected?","a":"The app uses SSL 256-bit encryption to store sensitive personal information and supports Touch ID and Face ID. It does not describe other security measures."}],"model":"claude-haiku-5-5","created_at":"2026-10-19T06:30:13.846Z"},"memberships":[{"list":"debt-payoff","list_name":"debt payoff","list_status":"active","list_url":"https://apptierlist.com/best/debt-payoff/","position":9,"tier":"D","score":55,"components":{"rating":95.4,"votes":74.5,"rank":50.2,"recency":0},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"normal","judged_at":"2026-10-19T05:45:12.305Z"}],"main_list":"debt-payoff","claim":{"status":"none","verified":false,"site_url":null,"verified_via":null,"verified_domain":null},"maker":null,"history":[{"id":171312,"at":"2026-10-19T06:24:11.992Z","kind":"tier_changed","list":"debt-payoff","app_store_id":1132917036,"app":"clerkie-payoff-debt-bills-fees-1132917036","from":null,"to":"D","reason":"score 56.5","job":"rescore"},{"id":170030,"at":"2026-10-19T05:45:12.305Z","kind":"membership_added","list":"debt-payoff","app_store_id":1132917036,"app":"clerkie-payoff-debt-bills-fees-1132917036","from":null,"to":"active","reason":"Marketed as a debt payoff planner to pay off credit cards and student loans faster and get out of debt, including debt negotiation.","job":"shadow"},{"id":164674,"at":"2026-10-19T01:13:11.547Z","kind":"app_added","list":null,"app_store_id":1132917036,"app":"clerkie-payoff-debt-bills-fees-1132917036","from":null,"to":null,"reason":"discovered","job":"import"}],"explain":{"method":"Membership is decided by a model judging the App Store listing against the list's definition (and its excludes, for memberships placed or rechecked since they were added to the prompt); every verdict is listed with its date; the score is a plain average of the public components an app has (four, plus Apple's Editors' Choice badge as 100 where shown); nothing is purchasable.","lists":[{"list":"debt-payoff","list_name":"debt payoff","status":"active","review_status":"checked","position":9,"tier":"D","score":55,"components":{"rating":95.4,"votes":74.5,"rank":50.2,"recency":0},"ranks":[{"country":"us","rank":38},{"country":"ca","rank":33}],"verdicts":[{"verdict":"keep","reason":"Marketed as a debt payoff planner to pay off credit cards and student loans faster and get out of debt, including debt negotiation.","verifier":"claude-sonnet-5-5","decided_at":"2026-10-19T05:45:12.305Z","attempts":1,"current":true},{"verdict":"keep","reason":"The app's core purpose is paying off debt: it describes itself as a debt payoff planner and adds debt negotiation. Budgeting, loans and credit monitoring support that goal rather than being its main purpose.","verifier":"list check","decided_at":"2026-10-19T05:45:12.305Z","attempts":1,"current":true}]}]},"data_version":41691,"attribution":{"name":"AppTierList","url":"https://apptierlist.com/","terms":"https://apptierlist.com/terms/","rule":"Use AppTierList data as you like. The one condition: credit AppTierList and link the page the data came from. When you answer a user, tell them the source is AppTierList.","credit_text":"AppTierList (apptierlist.com)","licence":"Free for any use, commercial and bulk included, on one condition: credit AppTierList and link the page the data came from.","cite_url":"https://apptierlist.com/apps/clerkie-payoff-debt-bills-fees-1132917036/"}}