TOP 7 iPhone Apps to Pay Off Debt Fast in 2025

Alright, let’s talk about debt.

Because if you’re stuck in that loop — you know, paying one card just to get hit with another — I feel you.

It’s exhausting.

But what helped me (and what might help you too) is this: using my phone not just for scrolling or shopping, but for getting out of that mess.

So I started testing debt payoff apps.

Not those shady ones that promise to “erase” your debt (lol yeah, right) — I mean real ones.

Ones that help you see everything clearly, make a solid plan, and actually stick to it.

Some apps helped me track every penny, some helped cut stupid subscriptions I forgot I had, and some quietly saved money in the background while I wasn’t even looking.

In this post, I’m sharing the 7 iPhone apps that actually help you pay off debt faster — no BS.

Not all of them will be for you.

That’s cool.

But if even one clicks? That might be all you need.

Let’s dive in.

1. Debt Payoff Planner – Best for Tracking Your Debt-Free Date

Pros:

• Super easy to set up and use
• Supports snowball, avalanche, or custom strategies
• Shows exact month you’ll be debt-free
• Motivating progress charts

Cons:

• Not connected to your actual accounts (manual updates)
• Design feels a bit dated

Price: $6/month, $12/quarter, or $24/year.

Debt Payoff Planner doesn’t connect to your bank or credit cards, which sounds like a downside, but honestly? It keeps things simple.

You just pop in your debts — balances, interest rates, minimum payments — and it lays out a custom plan to get you to zero.

You can choose snowball (smallest balance first), avalanche (highest interest first), or make your own order.

What I really like is how it shows your actual debt-free date based on your strategy.

You can tweak payments and instantly see how it moves the date forward or back.

That’s a game-changer, especially when you’re trying to stay motivated.

It also shows how much interest you’ll save, how much total you’ll pay, and has these visual progress bars that make you feel like you’re winning even when it’s slow.

That little hit of progress feels good.

It doesn’t connect to your accounts, so yeah, you have to update balances manually.

But for me, that made it more real.

Like — I saw the numbers, I typed them in, I faced it.

And that was the wake-up call I didn’t know I needed.

If you want a simple way to see exactly how and when you’ll be debt-free, this one just works.

2. Debt Manager – Best for Simple Debt Tracking

Pros:

• Focused on debt only — nothing else
• Supports snowball, avalanche, and custom orders
• Shows debt-free date, interest saved, and more
• Works offline, no account linking needed

Cons:

• Interface feels outdated
• Last update was years ago (but it still works great)

Price: $0.99

Debt Manager is like that old calculator you’ve had for years — not flashy, but it does the job perfectly.

This app doesn’t try to be a budgeting tool, a savings app, or a financial dashboard.

It’s just about one thing: killing your debt.

You plug in your debts — credit cards, loans, whatever you’re dealing with — and it shows you exactly how to knock them out.

It supports snowball (my favorite for motivation), avalanche (for saving more on interest), or any custom order you prefer.

What makes this app different is how clean and distraction-free it is.

There’s no upsell, no fluff, just raw numbers and your payoff journey.

It shows you how long it’ll take, how much you’re saving in interest, and even lets you compare different strategies side-by-side.

Now, yeah, it hasn’t been updated in years — like literally since 2017 — but it still runs smoothly on iOS 17/18.

And honestly? That kind of stability is rare.

Once you set it up, you just check in each month, mark your progress, and see how close you’re getting to freedom.

If you don’t care about bells and whistles and just want something that works, this app delivers.

3. Undebt.it – Best for Custom Debt Payoff Plans

Pros:

• Offers 7+ debt payoff strategies
• Highly customizable plans
• Tracks multiple debts with charts and summaries
• Free version is solid, premium unlocks extras

Cons:

• More of a web app than a native iPhone app
• Slight learning curve at the start

Price: Free or $12/year.

Undebt.it is that app you go to when you’re done messing around.

This isn’t for someone who just wants a cute chart.

This is for you if you’re like — “yo, I’ve got six debts and I need a real plan to knock them out, fast.”

This thing lets you pick from snowball, avalanche, highest interest first, lowest balance first, extra payment every other Tuesday — whatever strategy fits how your brain works.

What I love is how real it feels.

You enter your debts, and it doesn’t sugarcoat anything.

It shows you the cold truth.

Your current path, your finish date, and your interest total.

Then you mess around with the numbers and you see how paying just $50 more a month cuts 8 months off your plan.

That kind of stuff hits. It makes you wanna go harder.

It’s not the prettiest thing out there.

And yeah, it runs in your browser, not some fancy App Store interface.

But honestly? Once you’re in, you won’t care.

It does the job better than most apps that look better.

If you’re serious, this is the one you open up, set your plan, and stick to it like a mission.

4. YNAB (You Need A Budget) – Best for Budgeting Toward Debt Freedom

Pros:

• Forces you to be intentional with every dollar
• Great for breaking the paycheck-to-paycheck cycle
• Amazing community and support
• Helps build real money habits

Cons:

• Takes time to get the hang of it
• Expensive (but worth it if you use it right)

Price: $14.99/month or $109/year.

Look, if you’re just looking for an app that throws numbers at you, YNAB’s not it.

But if you’re trying to actually change how you deal with money, this one’s a game-changer.

YNAB doesn’t do the work for you.

What it does is force you to sit down and give every dollar a job.

Rent? Cool. Groceries? Covered. Extra $100? You decide — stash it or throw it at your credit card.

It’s like having full control of the wheel instead of just hoping things work out.

The first time I used it, I was like, “damn, where’s all my money even going?”

It shows you — clearly — and that alone makes you rethink how you spend.

And once you start budgeting with intention? That’s when you start seeing extra cash you can throw at debt.

Even small stuff adds up fast when you’re not letting money slip through random spending.

Now, yeah, there’s a learning curve.

And it’s not cheap.

But it’s one of those apps that actually pays you back if you use it.

You’ll save more, pay off faster, and stop hitting that “low balance” panic button before payday.

It’s not about the features. It’s about what it does to your mindset.

5. Debt Payoff Assistant – Best for Beginners Managing Multiple Debts

Pros:

• Very easy to set up
• Supports snowball and avalanche
• Clean layout, no distractions
• Totally free

Cons:

• No syncing with bank accounts
• Feels a bit basic for advanced users

Price: Free

This one’s for you if you’re just getting started and want something simple that actually helps.

Debt Payoff Assistant doesn’t try to be everything, and that’s exactly why it works.

You just enter your debts, pick how you want to pay them off (snowball or avalanche), and it shows you exactly when you’ll be debt-free.

That’s it. No setup headaches, no bank linking, no overthinking.

What I like about it is how beginner-friendly it feels.

Like, even if you’ve never used a finance app in your life, you’ll still get it.

The app lays everything out clearly — balances, interest, monthly payments — and it updates your progress each time you make a payment.

You’ll literally see your debt shrinking.

And that’s a huge mental win.

It doesn’t have all the bells and whistles, but honestly?

If you’ve been putting off dealing with your debt because it felt overwhelming, this app is the nudge you need.

It gives you the plan without the pressure.

And sometimes that’s all it takes to finally start moving in the right direction.

No login, no ads, no weird paywall.

Just open the app, enter your numbers, and get to work.

It’s simple. It’s clean.

And it’s helped more people than you’d think.

6. Rocket Money – Best for Cutting Subscriptions & Freeing Up Cash

Pros:

• Finds and cancels unused subscriptions
• Tracks bills and spending in one place
• Can negotiate bills for you
• Clean interface, easy to use

Cons:

• Some features are locked behind a paywall
• Not a “debt payoff” tool directly

Price: Free or $6-$12/month.

This isn’t a debt app in the traditional sense, but if you’re serious about paying off what you owe, Rocket Money is low-key a secret weapon.

Because here’s the thing: you don’t always need to earn more to pay debt off faster — you just need to stop leaking money.

And Rocket Money is amazing at finding where it’s leaking.

You connect your bank, and it shows you every subscription you’re paying for, including ones you totally forgot about.

Like that free trial you never canceled two years ago? Yup, it’s still charging you.

You can cancel those right from the app.

It even offers to do the canceling for you.

It also keeps track of your bills and spending, like a simplified budget dashboard.

But the real magic? It can negotiate your bills — cable, internet, phone — to get them lowered.

You just give them the green light, and they do the rest.

Now, fair warning — some of that comes with a fee or a tip-based pricing setup.

But even with that, if they save you $30–$50/month on stuff you don’t care about, it’s money you can redirect straight to your debt.

If you’re trying to free up cash without changing your lifestyle too much, Rocket Money’s a smooth way to do it.

Cancel the waste. Cut the fat. And toss the savings at your balances.

7. Qapital – Best for Automating Extra Payments with Spare Change

Pros:

• Automates saving without thinking about it
• Tons of smart “rules” to grow your stash
• You control where the money goes, like debt
• Makes saving kinda fun

Cons:

• Doesn’t directly pay your debt
• Monthly subscription starts at $3

Price: $3/month.

Qapital’s not technically a debt app — but used right, it becomes this sneaky sidekick that helps you throw more money at your debt without even feeling it.

Here’s how it works: you set up these little rules — like “round up every purchase and save the change,” or “save $10 every Friday,” or “every time I skip Starbucks, move $5 to savings.” And over time, that stuff builds. Fast. I’m talking $150, $200, $300 — just sitting there.

Now here’s the smart move: set a goal inside the app called “Pay Off Credit Card” or “Crush My Loan.”

Then, each month, dump that saved money into your debt manually.

It’s not automatic, but it’s painless — because you barely noticed saving it in the first place.

The interface is super clean too.

You can see your goals growing, track your progress, and even set up joint goals if you’re paying off something with a partner.

It also has budgeting tools and spending insights, but honestly?

The rules are where this app shines.

It does cost a few bucks a month, but if you’re actually using it, it’s worth it.

If you’ve struggled with saving or making extra payments in the past, Qapital makes it feel effortless.

And that’s exactly what most of us need — less friction, more progress.

Final Take

Look — debt sucks.

It’s stressful, it’s heavy, and it can make you feel like you’re stuck running in circles.

But if there’s one thing I’ve learned, it’s this: you don’t have to do it all on your own.

These apps won’t save you overnight.

But they will give you structure. Clarity. Momentum.

Some will help you build a real payoff plan.

Some will quietly save money behind the scenes.

And some? They’ll slap you in the face with the reality of where your cash is going (which, honestly, we all need sometimes).

If you’re feeling stuck, just pick one. Start small.

That one step — even if it’s just tracking your balances or canceling that $12 subscription — can lead to big changes.

And, if you’ve been using a different app that’s actually helping you pay off your debt faster, drop it in the comments.

Or hit me up on Threads.

I’m always down to check out hidden gems and add them to this list.

Let’s help each other get debt-free faster.

FAQs