Best Debt Payoff Apps in 2026: 10 Planners and Trackers Compared

A debt payoff app has two jobs. It works out which debt to pay first and when you’ll be debt-free, and it keeps you paying long enough to get there. Most apps are much better at one job than the other.

We compared 10 options: free web planners, dedicated phone apps, budgeting apps with debt tools, a round-up app that makes payments for you, and our own app, Hunter Vault. Every price below is a US price checked on the app’s own site or store listing on October 24, 2026.

Quick Answer: What’s the Best Debt Payoff App?

The best debt payoff app for most people is Undebt.it. It’s free, handles unlimited debts, offers eight payoff methods and doesn’t need your bank login. If you want something built for your phone, Debt Payoff Planner & Tracker is the most established dedicated app. Pick something else when your situation calls for it:

• Following Dave Ramsey’s Baby Steps: EveryDollar
• A full budget, not just a payoff plan: YNAB
• A one-time purchase on Windows: Debt Blaster
• Extra payments that happen on their own: Changed
• Quitting because progress feels invisible: Hunter Vault

Debt Payoff Apps Compared

Prices are US prices checked October 24, 2026. “Bank login” means whether the app needs access to your bank account to work.

Debt Payoff Planners and Software for Web and Desktop

These are the dedicated planners. You enter each debt’s balance, interest rate and minimum payment, and they work out the order and your debt-free date.

Undebt.it: best free debt payoff planner

Undebt.it is the strongest free planner we found. The free plan covers unlimited debts and all eight of its payoff methods: snowball, avalanche, a debt-to-interest hybrid, Cash Flow Index, highest monthly payment, highest credit utilization, highest monthly interest and your own order. It builds a month-by-month schedule and doesn’t ask for a bank login.

Undebt.it+ costs $10 a year after a price cut in 2026. It’s a single yearly fee that doesn’t renew on its own, with a 30-day trial and no card needed. Plus adds a custom-method builder, push notifications and bank syncing through SimpleFIN, which you pay SimpleFIN for separately. There’s no App Store or Google Play app. Since fall 2026, you can install Undebt.it on your home screen straight from the browser.

• Best for: anyone who wants the most payoff methods without paying.
• Watch out for: reminders are push notifications, and those need Plus.

Unbury.me: quickest free calculator, no sign-up

Unbury.me is a free calculator. Enter your loans and it compares avalanche (highest interest rate first) with snowball (lowest balance first). The site says it “will always be free and no login is required.”

It doesn’t save anything unless you create an account, and its footer still reads 2016, so it doesn’t appear to have been updated in years. Treat it as a quick calculator, not a place to keep your plan.

• Best for: running the numbers in two minutes.
• Watch out for: no reminders, no payment tracking and no sign of recent updates.

PowerPay: free planner from Utah State University

PowerPay is a free debt planner from Utah State University Extension, which offers it “without any cost to consumers worldwide.” You need a free account. It orders your debts by interest rate, by balance, or in the order you enter them.

• Best for: people who’d rather use a university tool than a company’s app.
• Watch out for: the PowerPay app in the App Store was last updated in 2018, so stick to the website.

Debt Blaster (formerly Zilch): best one-time purchase for Windows

Debt Blaster is Windows software from ZilchWorks. It was called Zilch until July 2026, and it isn’t related to Zilch, the UK buy-now-pay-later company. It offers snowball, avalanche and custom orders, plus Dial-A-Date, which works out what to pay each month to be debt-free by a date you pick. Your plan stays on your computer, with no online account.

It costs $29.99 as a one-time “35th Anniversary Special” (regularly $39.99), and there’s a free trial. Mac and iPad versions are listed as coming soon, and a mobile version is in design.

• Best for: Windows users who’d rather pay once than subscribe.
• Watch out for: there’s no phone version yet. Undebt.it also has an unrelated feature called “Debt Blaster”, so check which one a review means.

Debt Payoff Planner Apps for iPhone and Android

Debt Payoff Planner & Tracker: best dedicated phone app

Debt Payoff Planner is the app at debtpayoffplanner.com, made by OxbowSoft. Its App Store name is “Debt Payoff Planner & Tracker”, which is why reviews call it by slightly different names. It’s one app, available on iPhone, Android and the web.

Setup only needs each debt’s balance, APR and minimum payment. Then you choose a payoff order: snowball, avalanche or custom. It also handles “snowflakes”, one-off extra payments, and shows how each one moves your debt-free date. We found no mention of bank linking on its site or store pages.

It’s free to download. Pro costs $6.99 a month, $13.99 for three months or $27.99 a year on the US App Store. Using it on more than one device is a Pro feature, and the Android version contains ads. It’s actively maintained: version 2.3.4 came out on September 26, 2026, and it’s rated 4.7 from about 7,400 App Store ratings.

• Best for: people who want the plan on their phone and will check it often.
• Watch out for: Pro is a subscription. Paid yearly, it costs almost three times as much as Undebt.it+.

Budgeting Apps With Debt Payoff Tools

These are budgeting apps first. Debt is one part of them, and their payoff tools are lighter than a dedicated planner’s.

YNAB: best if you want a full budget, not just a payoff plan

YNAB is a zero-based budgeting app. Its debt tool, the Loan Planner, is a payoff simulator: it shows how extra payments, rounding up or a one-time payment change your payoff time and the interest you’ll pay. It works one loan at a time, the simulator is only on the web, and YNAB suggests keeping credit cards off it for now. It doesn’t build a snowball or avalanche order across several debts.

YNAB costs $14.99 a month or $109 a year after a 34-day free trial, and you don’t need a card to start. Bank linking is optional: you can enter transactions by hand or import bank files on the web or iPad. See Hunter Vault vs YNAB for how the two compare.

• Best for: people who want every dollar planned, debt included.
• Watch out for: the price, if a payoff plan is all you need.

EveryDollar: best for Dave Ramsey’s debt snowball

EveryDollar is Ramsey Solutions’ budgeting app, so it follows the debt snowball. It lists your debts from smallest to largest, and you can’t change the order. The free version is manual.

Premium costs $17.99 a month or $79.99 a year, with a 14-day trial for new users. It adds bank connection, a debt payoff tracker and a Financial Roadmap that shows when you’ll reach each Baby Step. If you’re working through the Baby Steps, our Baby Steps guide for gamers walks through each one.

• Best for: Ramsey followers.
• Watch out for: avalanche isn’t an option. If you want to pay your highest-interest debt first, use a different tool.

Rocket Money: best if you want every account linked in one place

Rocket Money links your accounts and shows your debts grouped by type (credit cards, long-term loans, asset-backed loans and anything you add by hand) next to your spending and subscriptions. It needs at least one linked checking account to work.

The app is free. Debt paydown tools and full credit reports are in Premium, which is priced on a sliding scale. Rocket Money’s own January 2026 pricing guide puts Premium at about $7 to $14 a month, with a 7-day free trial. We didn’t find a snowball or avalanche planner on its official pages.

• Best for: people who want balances updated automatically and don’t mind linking accounts.
• Watch out for: it’s an overview app, not a dedicated payoff planner.

Apps That Pay Down Debt Automatically

Changed: best if you want round-ups sent to your debt

Changed rounds up your card purchases, moves the spare change into a payoff account every time it reaches $5, and sends a payment to your loan when that account hits $25, $50 or $100. You can choose a snowball, avalanche, snowflake or custom order. It requires a linked bank account and costs from $6 a month.

Do the math on the fee before you sign up. If your round-ups add up to $30 a month, a $6 fee is a fifth of what you’re putting toward debt. Changed makes the most sense when your round-ups are large, or when automation is the only way you’ll ever pay extra.

• Best for: people who’ll only pay extra if it happens automatically.
• Watch out for: the monthly fee compared with your round-ups.

Apps That Keep You Motivated

Hunter Vault: best for staying motivated (our app)

Hunter Vault is our app, a gamified finance tracker for iPhone and Android. Each debt gets its balance, interest rate, minimum payment and due day, and the summary shows your total debt, the percentage you’ve cleared and a projected debt-free date. The War Plan switches between avalanche and snowball and shows your debt-free month and total interest, with an “extra monthly attack” slider to test what paying more would do.

Staying motivated is what it’s built for. You log each payment from one of your accounts, a monthly streak counts the months you’ve paid in a row, and achievements unlock when your total paid passes 500, 2,500, 5,000 and 10,000 (in your currency) and when you clear a debt. It also sends a phone reminder three days before each debt’s due day.

It’s free to start with up to 3 debts. A one-time Awakened Hunter upgrade ($15.99 USD; store prices vary) removes the limits. It’s on iOS or Android.

• Best for: people who’ve quit a payoff plan before because the progress felt invisible.
• Watch out for: it doesn’t connect to your bank or add interest automatically, so you update balances from your statements. The War Plan offers avalanche and snowball only, with no custom order, and there’s no web or desktop version.

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Do You Need an App That Links to Your Bank?

Most debt payoff apps don’t need your bank at all, and that’s a real choice, not a missing feature.

• No bank access needed: Undebt.it, Unbury.me, PowerPay, Debt Payoff Planner, Debt Blaster and Hunter Vault. You type in balances and payments.
• Optional: YNAB, EveryDollar Premium and Undebt.it+ (through SimpleFIN) can link a bank if you want balances updated for you.
• Required: Rocket Money and Changed. Changed needs it to move money, and Rocket Money builds everything from your linked accounts.

Linking saves typing and keeps balances current. Not linking keeps your bank login away from another company, and logging each payment yourself keeps you close to your progress. If you’d rather skip linking for your whole budget, see our guide to budgeting apps without bank linking.

How to Choose Based on Why You Get Stuck

Feature lists don’t tell you much. Start with what made you stop last time:

If you only ever pay the minimum and the balance barely moves, start with how minimum payments work. If you’re paying more and it still feels slow, why debt payoff feels slow explains what’s going on.

Debt Apps That Shut Down or Changed Names

Plenty of reviews still recommend apps that are gone. As of October 2026:

• Mint closed in 2024, and Intuit moved its users to Credit Karma.
• Tally, the credit card payoff service, shut down in August 2024 after it couldn’t raise more funding.
• Zilch is now Debt Blaster, renamed in July 2026. It’s Windows software, not the UK payment company.
• Undebt.it+ dropped to $10 a year in 2026, so older reviews quote a higher price.

Common Mistakes to Avoid

• Choosing by feature list instead of the reason you quit last time.
• Paying for a subscription before trying the free planners. Undebt.it’s free plan offers more payoff methods than any paid app in this list.
• Linking your bank to an app you aren’t sure you’ll keep.
• Picking a manual tracker and then never logging payments. Manual only works if you keep it up.
• Trusting anything that promises to fix your credit or wipe out debt. These tools plan and track, and you still make the payments. Changed is the one exception, and it’s moving your own money.

Final Takeaway

Start free. Put your debts into Undebt.it or our debt payoff calculator to see your order and your date. Then choose the app that fixes your reason for stalling: a phone planner if you want the plan in your pocket, a budgeting app if you want everything in one place, automation if you’ll never pay extra by hand, or a motivation app if you’ve quit before.

Still choosing a method? Debt snowball vs avalanche breaks down the trade-off, and the debt payoff plan turns your choice into a month-by-month plan.

Sources

All pages checked October 24, 2026 unless a date is given.

• Undebt.it: homepage and Undebt.it+ pricing and plan comparison.
• Undebt.it blog: bank and credit card sync through SimpleFIN (September 12, 2026) and installable app for iPhone and Android (September 10, 2026).
• Unbury.me.
• Utah State University Extension: PowerPay and how to use PowerPay.
• ZilchWorks: Debt Blaster, ZilchWorks homepage (rename and payoff strategies) and Zilch Standard.
• OxbowSoft: debtpayoffplanner.com, app overview, the US App Store listing and the Google Play listing.
• YNAB: pricing, Loan Planner and file-based import guide.
• Ramsey Solutions: EveryDollar plans, and EveryDollar Help Center articles How to Track Debts, Reorder Debt Items and Financial Roadmap.
• Rocket Money: How much does Rocket Money cost? (January 19, 2026), and Help Center articles on Premium pricing, what’s included in Debts, the checking account requirement and Premium features.
• Changed: how it works, the US App Store listing and the Google Play listing.
• Credit Karma: Intuit Credit Karma welcomes all Minters (October 31, 2023).
• TechCrunch: a16z-backed fintech Tally is shutting down after running out of cash (August 12, 2024).
• Hunter Vault: features as of the current iPhone and Android app; Awakened Hunter price from the Creator Program terms.

Alger Makiputin

Software developer (9+ years) · Investor (6+ years) · Creator of Hunter Vault

Not a financial advisor; just someone who built the budgeting tool he wanted and learned by managing his own money.

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