Debt Payoff Apps
Compare the best apps to track and pay off your debt. Honest reviews with pricing, features, and our take on who each app is best for.
Ascent
Debt payoff tracking with partner sync and 9 strategies
Bright Money
AI-driven debt payments that manage themselves — when it works
Changed
Round up your spare change and put it toward debt automatically
Credit Karma
Free credit scores and monitoring to track the impact of your debt payoff
Debbie
Gamified debt payoff with mini-tasks and social motivation
Debt Payoff Planner
Clean mobile debt tracker with snowball, avalanche, and custom strategies
Empower
See your debt in the context of your complete financial picture
Goodbudget
Digital envelope budgeting designed for couples and families
EveryDollar
Dave Ramsey's zero-based budgeting app with built-in debt snowball tracking
Honeydue
Free couples finance app that may leave you on read
Monarch Money
Premium all-in-one finance dashboard with multi-user sharing and debt tracking
PocketGuard
Bank-linked budgeting that tells you exactly what's safe to spend
Tally
The automated debt manager that raised $172 million — then shut down
Splitwise
The expense splitting app that can help couples track shared debt payments
Undebt.it
Free web-based debt snowball calculator and tracker
Qoins
The round-up debt app that shut down in 2023 — here's what happened
SoFi
All-in-one financial platform with competitive personal loans for debt consolidation
Rocket Money
Bill negotiation and subscription tracking with debt monitoring on the side
YNAB (You Need a Budget)
Comprehensive budgeting app with debt payoff tools built in
Unbury.me
The simplest debt calculator on the internet — and that's the point
Zeta
The couples banking app that shut down in 2025 — acquired by Acorns
Track your plan automatically. Ascent supports 9 strategies, partner sync, and BNPL tracking.