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Compare debt tracker apps

Let your phone help you get your finances under control.

Need some help getting a handle on your debt payments? An app might be the simplest way to stay on top of your bills.

Top 6 debt tracker apps

Not sure which debt tracker app to choose? Start by comparing these six common brands.

Mint logo Image: Supplied


  • Cost: Free.
  • Availability: iOS and Android.
  • Features: Bill tracking, budget planners, free credit score monitoring, payment and fee alerts, investment tracking, financial advice.
  • What we like: Mint allows you to take a look at all of your personal finances — beyond your debt — to help you plan your short- and long-term financial goals toward debt freedom.
  • What’s missing: This app no longer supports a bill-pay service, so it might not be the all-around financial planning app you’re looking for.
Read our review of Mint
tally logo Image: Supplied


  • Cost: Free — though you have to sign up for a Tally line of credit.
  • Availability: iOS and Android.
  • Features: Credit card payment manager, debt manager, late fee protection, line of credit.
  • What we like: Tally manages your debt payments with its debt consolidation line of credit at rates lower than your average credit card.
  • What’s missing: This app is available for only some credit types, and you need to live in an eligible state to sign up.

Debt pay off logo Image: Supplied

3. Debt Payoff Planner

  • Cost: Free with the option to sign up for an ad-free Pro membership of $10 to $24.
  • Availability: iOS and Android.
  • Features: Debt payoff planner, debt payoff calculator, payment tracker.
  • What we like: This app is solely focused on helping you strategically pay off your debt and making sure you understand how repaying debt works — like the difference between principal and interest repayments.
  • What’s missing: Automation. While connecting your accounts is unnecessary — which banks flag as a security risk anyway — you have to manually input your debts and payments. And you can’t use this app to track your credit score.

Debt pay off assistant Image: Supplied

4. Debt Payoff Assistant

  • Cost: Free with the option to sign up for an ad-free Pro version for $0.99.
  • Availability: iOS.
  • Features: Unlimited debt tracking, multiple payment strategies, debt payment tracking, extra payment support, payment due date notifications, amortization schedules for each debt, payoff calculators for mortgages and loans.
  • What we like: The interface is simple and easy to follow with one goal in mind — to pay off your debt as quickly as possible. It helps you compare multiple debt payoff strategies to find the best one for you.
  • What’s missing: Like with Debt Payoff Planner, you have to manually input your payments — making it more like a sophisticated calculator than an assistant. There’s also no Android version, limiting access to Apple users.

Debt tracker logo Image: Supplied

5. Debt Tracker

  • Cost: Free with the option to upgrade to the ad-free Pro version.
  • Availability: Android.
  • Features: Debt tracking and sorting — including debt you owe and debts owed to you, debt payment plans, savings tracker.
  • What we like: You can keep track of official and unofficial debts — like that friend who owes you $50 for dinner last week or household expenses if you share an apartment. The savings tracker also gives you a fuller understanding of your financial health than comparable manual debt tracking apps.
  • What’s missing: Because you can’t connect your accounts, you’re required to manually input all of your debts and won’t be able to get an idea of how payments affect your credit. And you can only back up your data if you buy the Pro membership.

Debt manager Image: Supplied

6. Debt Manager

  • Cost: $0.99.
  • Availability: iOS.
  • Features: Unlimited debt tracking, automatic or manual payment records, multiple debt payment strategies, extra payment support, amortization schedules, payment notifications, interactive reports for each debt, payment and refinancing calculators, what-if scenario predictions, financial advice, sync with other devices and backup data with Dropbox.
  • What we like: This app gives you the option to sync your accounts, manually input payment information or both — depending on your security preferences. It also gives you lots of data and reports you can download and print to stay on top of your game.
  • What’s missing: You can’t use this app to pay bills, meaning it’s not totally automated. And it’s only available to Apple users.

Compare debt tracker app features

AppCostAvailabilityCredit score monitoringBudget trackingNotifications or alertsBill payAccount linking
  • iOS
  • Android
  • iOS
  • Android
Debt Payoff PlannerFree
  • iOS
  • Android
NoNoOnly with Pro membershipNoNo
Debt Payoff AssistantFree
  • iOS
Debt TrackerFree
  • Android
Debt Manager$0.99
  • iOS

Bottom line

There’s a debt tracker app out there for almost everyone. Mint and Tally might be a better choice if you’re looking for a hands-off experience. But if you’re wary of handing over personal information or want to feel more in control, you might want to consider one of the more manual options listed above.

You can learn about other ways to manage your debt by checking out our guide to debt consolidation.

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