Best Debt Payoff Apps for Android in 2026

Android users have solid options for debt payoff — but fewer than iPhone users. Some of the most talked-about debt apps (like Ascent) are iOS-only, which narrows the field. The good news? The apps that are available on Android are well-made, and there are excellent web-based tools to fill any gaps.

Here’s an honest look at your best options.

Quick Comparison

App	Focus	Price	Strategies	Bank Sync	Platform Notes
Debt Payoff Planner	Debt payoff	Free / $2/mo	3	No	Full Android app
YNAB	Full budgeting	$14/month	Manual setup	Yes	Full Android app
Goodbudget	Envelope budgeting	Free / $10/mo	No	No	Full Android app
EveryDollar	Budgeting	Free / $18/mo	Manual setup	Premium only	Full Android app
Undebt.it	Debt payoff (web)	Free / $12/year	8	No	Mobile browser
Unbury.me	Debt calculator (web)	Free	2	No	Mobile browser

Detailed Reviews

Debt Payoff Planner — Best Dedicated Debt App for Android

Debt Payoff Planner is probably the best dedicated debt payoff app available on Android. It supports snowball, avalanche, and custom debt ordering, with a clean interface that’s easy to set up. You enter your debts manually, choose a strategy, and the app builds your month-by-month payoff schedule.

The free version works well enough to get started. The Pro upgrade ($2/month) adds what-if scenarios, extra customization, and removes ads. At that price, it’s very reasonable.

Strengths: Clean interface, affordable, focused purely on debt payoff, quick setup. Weaknesses: Only three strategies, no partner features, no bank sync, manual entry only. Price: Free with ads / $2/month for Pro. Best for: Android users who want a simple, focused debt payoff tracker.

YNAB — Best Full Financial System

YNAB (You Need A Budget) is a complete budgeting system that happens to handle debt tracking well. You create a zero-based budget, assign every dollar a job, and track debt payoff through loan accounts and goals. The Android app is polished and syncs with your bank.

YNAB has a real learning curve, but once you get it, many people say it changes their relationship with money. The educational content and community are excellent.

Strengths: Bank sync, comprehensive budgeting, strong community, works on all platforms. Weaknesses: $14/month is expensive, steep learning curve, debt strategies require manual setup. Price: $14/month (34-day free trial). Best for: People who want a complete money management system, not just debt tracking.

Goodbudget — Best for Envelope Budgeting

Goodbudget uses the classic envelope method — you divide your income into virtual envelopes for different spending categories. It’s great for couples (you can share envelopes across devices) and people who like a simple, visual approach to budgeting.

It’s not a debt payoff tool, but controlling your spending with envelopes can free up money for extra debt payments.

Strengths: Simple envelope system, works for couples, free tier is usable, no bank sync needed. Weaknesses: Not debt-focused, no payoff strategies, free tier limited to 10 envelopes. Price: Free / $10/month for Plus. Best for: People who want a straightforward envelope budget to control spending.

EveryDollar — Best for the Baby Steps Method

EveryDollar follows Dave Ramsey’s approach to budgeting and getting out of debt. If you’re following the baby steps, this app supports that workflow. The free version lets you build a monthly budget manually. Premium adds bank sync.

Strengths: Clear structure, aligns with baby steps, simple to use. Weaknesses: Premium is expensive ($18/month), limited without paid tier, debt tracking is basic. Price: Free (manual) / $18/month for Premium. Best for: People following Dave Ramsey’s debt-free plan.

Undebt.it — Best Free Web Tool (Works on Android Browser)

Undebt.it isn’t an Android app — it’s a web tool that works well in your phone’s browser. It’s one of the most feature-rich free debt tools available, supporting eight different payoff strategies. You can create detailed plans, compare strategies, and see month-by-month projections.

Strengths: Eight strategies, detailed projections, mostly free, no download needed. Weaknesses: Web-only (no push notifications), less polished mobile experience, no bank sync. Price: Free / $12/year for premium features. Best for: Android users who want strategy variety without paying for an app.

Unbury.me — Best for Quick Calculations

Unbury.me is a completely free web calculator for comparing snowball and avalanche. Enter your debts, see the results, done. It’s not a tracking tool — there’s no account, no saving data. But it’s the fastest way to see how different strategies affect your payoff timeline.

Strengths: Completely free, no account needed, instant results, simple. Weaknesses: No tracking, no saved data, only two strategies, very basic. Price: Free. Best for: A quick comparison before you commit to an app.

What About Ascent?

You may have seen Ascent mentioned in other comparisons. It offers nine payoff strategies, partner sync, and BNPL tracking — features that go beyond what’s available on Android. Unfortunately, Ascent is currently iOS-only with no announced Android version.

If those features matter to you and you have access to an iPhone or iPad, it may be worth checking out. Otherwise, Debt Payoff Planner combined with Undebt.it covers most of the same ground on Android.

Our Recommendation

For most Android users, Debt Payoff Planner is the best starting point. It’s focused, affordable, and does what it says. If you want more strategy options, pair it with Undebt.it in your browser — together they cover almost every payoff method.

If you want a complete financial system that handles budgeting, saving, and debt, YNAB is the best option despite the higher price.

Don’t let the smaller selection hold you back. The tools available on Android are more than enough to build a solid payoff plan and start making real progress.