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Best Debt Payoff Apps for iPhone (2026)
Debt Payoff Planner & Tracker is the top-ranked of 9 debt payoff apps on iPhone, at S tier with 4.7/5 from 7,379 ratings.
- 1
Free download · ★ 4.7 · 7,379 ratings · score 93 - 2
Free download · ★ 4.6 · 22,550 ratings · score 92 - 3
Free download · ★ 4.9 · 22,016 ratings · score 83 - 4
Free download · ★ 4.9 · 17,904 ratings · score 83 - 5
Free download · ★ 4.9 · 4,385 ratings · score 82
What belongs in this list
Pay off debts faster with a clear plan for how much to pay on each one.
Not here: a debt list tracker with no plan alone; a budget planner alone; a loan calculator alone; a bill payment app alone; a credit score monitor alone
How we pick
For this list we ask the App Store the same searches a person would, in several countries, and keep every app it returns. A model reads each app's listing and rejects the ones that only mention the use case. Every app that stays is scored out of 100 from four parts, each 0 to 100 and averaged with no weights: its App Store rating, how many people rated it, where the App Store itself ranks it for this list's searches, and how recently its current version shipped. An app showing Apple's Editors' Choice badge gets a fifth part of 100, which can only lift its score. Tiers follow fixed score bands: S from 90, A from 80, B from 70, C from 60, D from 50, F below. The list's leader is S if it scores 80 or more. On a list of 20 or more ranked apps, a tier from S to D takes in new apps only up to a quarter of the top 40: an app pushed out of a full tier falls to the next tier with room, and F takes the rest. An app already in a tier keeps its place while the tier is at most 2 apps over a quarter; past that, only the apps over that margin go down, lowest score first. Equal scores share a tier, and no app has a better tier than an app ranked above it. An app keeps its tier until its score passes the band edge by more than 1 point, or a full tier or the order above moves it. Only the top 40 of a list get a tier. Read the full method →
Compare every app
- 1Free download · ★ 4.7 · 7,379 ratings · score 93 · best in class
- 2Free download · ★ 4.6 · 22,550 ratings · score 92 · best in class
- 3Free download · ★ 4.9 · 22,016 ratings · score 83 · excellent
- 4Free download · ★ 4.9 · 17,904 ratings · score 83 · excellent
- 5Free download · ★ 4.9 · 4,385 ratings · score 82 · excellent
- 6
Free download · ★ 4.8 · 3,799 ratings · score 81 · excellent - 7
Free download · ★ 4.6 · 5,633 ratings · score 80 · excellent - 8
Free download · ★ 4.5 · 2,455 ratings · score 66 · situational · provisional - 9
Free download · ★ 4.8 · 2,839 ratings · score 57 · weak
Questions people ask
- What is the best debt payoff app for iPhone?
- Debt Payoff Planner & Tracker, S tier, ranked #1 of 9, rated 4.7 by 7,379 people.
- Which debt payoff apps are free?
- 9 of 9 are free to download: Debt Payoff Planner & Tracker (S), Loan Calculator - Debt Planner (S), Freedom Debt Relief (A), Debbie - Payoff, Save, Earn (A) and more.
- Which debt payoff app has the best App Store rating?
- Gauss: Payoff Credit Card Debt at 4.9 from 4,385 ratings.
- How many debt payoff apps reach S or A tier?
- 7 of 9. Tiers follow fixed score bands: S from 90, A from 80, B from 70, C from 60, D from 50, F below. The list's leader is S if it scores 80 or more. On a list of 20 or more ranked apps, a tier from S to D takes in new apps only up to a quarter of the top 40: an app pushed out of a full tier falls to the next tier with room, and F takes the rest. An app already in a tier keeps its place while the tier is at most 2 apps over a quarter; past that, only the apps over that margin go down, lowest score first. Equal scores share a tier, and no app has a better tier than an app ranked above it. An app keeps its tier until its score passes the band edge by more than 1 point, or a full tier or the order above moves it. Only the top 40 of a list get a tier.