Best Debt Payoff Apps for iPhone in 2026

If you have an iPhone, you have access to the widest selection of debt payoff apps available. iOS gets more dedicated debt tools than any other platform, including a few exclusives. Here’s an honest look at the best options for 2026.

Quick Comparison

App	Focus	Price	Strategies	Bank Sync	Best For
Ascent	Debt payoff	$29.99 lifetime	9	No	Strategy variety + couples
Debt Payoff Planner	Debt payoff	Free / $2/mo	3	No	Simple, affordable tracking
YNAB	Full budgeting	$14/month	Manual setup	Yes	Complete money management
EveryDollar	Budgeting	Free / $18/mo	Manual setup	Premium only	Dave Ramsey followers
PocketGuard	Spending	Free / $8/mo	No	Yes	Seeing what’s left to spend
Rocket Money	Bill management	Free / $6-12/mo	No	Yes	Canceling subscriptions + bills

Detailed Reviews

Ascent — Best for Strategy Options and Couples

Ascent is an iOS exclusive that takes debt payoff further than most apps. Where most tools give you snowball and avalanche, Ascent offers nine different strategies — including stress-based prioritization, where you rank debts by how much anxiety they cause and build your plan around that.

The PartnerSync feature is unique. Two iPhone users can share a debt payoff plan while each controlling what the other person sees. If you’re tackling debt with a partner, there’s nothing else like it.

Strengths: Nine strategies, partner sync, BNPL tracking, one-time purchase, strong privacy design. Weaknesses: No bank sync, no Android version, newer app with a smaller community. Price: $29.99 one-time for core features. Premium subscription for PartnerSync.

Debt Payoff Planner — Best Budget-Friendly Option

Debt Payoff Planner is one of the most popular dedicated debt apps on the App Store. It’s simple, clean, and does one thing well: helps you build a payoff plan using snowball, avalanche, or custom ordering.

The free version is functional enough to be useful. The paid tier ($2/month) unlocks extra features like what-if scenarios and additional customization. It’s the most affordable paid option on this list.

Strengths: Clean interface, very affordable, focused on debt payoff, easy to set up. Weaknesses: Fewer strategies than Ascent, no partner features, no bank sync. Price: Free with ads / $2/month for Pro.

YNAB — Best Full Budgeting System

YNAB (You Need A Budget) is widely considered the gold standard for zero-based budgeting. It syncs with your bank accounts, tracks every dollar, and helps you build a complete financial plan. You can track debt within YNAB by setting up loan accounts and debt payoff goals.

Strengths: Bank sync, comprehensive budgeting, excellent educational content, works across all platforms. Weaknesses: Expensive at $14/month, steep learning curve, debt tracking is manual within the budgeting framework. Price: $14/month (34-day free trial).

EveryDollar — Best for Dave Ramsey Fans

EveryDollar is built around Dave Ramsey’s baby steps philosophy. If you follow his method, this app will feel like home. The free version lets you create a monthly budget. The premium version adds bank sync and more detailed tracking.

Strengths: Simple budgeting interface, aligns with a proven debt-free methodology, guided setup. Weaknesses: Premium is expensive ($18/month), limited without the paid tier, debt tracking is basic. Price: Free (manual) / $18/month for Premium with bank sync.

PocketGuard — Best for Spending Awareness

PocketGuard connects to your bank accounts and shows you how much you have left to spend after bills, goals, and necessities. It’s not a debt payoff tool specifically, but seeing your “in my pocket” number can help you avoid adding new debt while you pay off old debt.

Strengths: Great at showing spendable cash, bank sync, subscription tracking, clean design. Weaknesses: Not built for debt payoff, no payoff strategies, limited debt-specific features. Price: Free / $8/month for Plus.

Rocket Money — Best for Bill Management

Rocket Money (formerly Truebill) focuses on subscriptions, bills, and saving money on existing services. It can negotiate bills on your behalf and track your net worth. It’s useful as a complement to a dedicated debt app, not a replacement for one.

Strengths: Bill negotiation, subscription cancellation, bank sync, net worth tracking. Weaknesses: Not a debt payoff tool, no strategies or payoff plans, premium pricing varies. Price: Free / $6-12/month for Premium.

How to Choose

If your main goal is paying off debt as fast as possible, go with a dedicated debt app — Ascent or Debt Payoff Planner. Both focus specifically on building and tracking a payoff plan. Ascent gives you more strategies and partner features; Debt Payoff Planner is simpler and cheaper.

If you want a complete money system, YNAB is the best all-in-one option. It handles budgeting, saving, and debt tracking in one place, but you’ll set up debt strategies yourself.

If you need help with spending and bills first, PocketGuard or Rocket Money can help you find extra money to put toward debt. They’re great companions to a dedicated payoff tool, but they won’t build a plan for you.

The best app is the one that matches where you are right now. If you’re just starting out and overwhelmed, a simple tool like Debt Payoff Planner gets you moving. If you want depth and flexibility, Ascent or YNAB will grow with you.