- Debt payoff planners at a glance
- Ten apps that turn a list of debts into a plan
- Snowball, avalanche and apps that let you set the order
- What each planner asks you to type in
- Bank links, accounts and where your numbers live
- Getting your debts into an app in one sitting
- My advice before you download a payoff planner
- Frequently asked questions
A debt payoff planner app takes a list of your debts, with each balance, interest rate and minimum payment, and turns it into a repayment order and a projected debt-free date. Snowball and avalanche are the two orders that come up across these listings, and a few let you set your own order instead.
People search for these as debt payoff planner apps and as debt payoff apps, and they mean the same thing: an app that lines your debts up in an order and shows when the last one could be cleared. It's a planning tool, and it only knows what you tell it.
Everything below comes from each app's own App Store listing, read as of Nov 2026, and the list is alphabetical and in no particular order. This isn't financial advice. I'm not recommending a method, and nothing here says one order is better than another for you. Where a listing makes a claim, it's the app's own wording.
Debt payoff planners at a glance
| Tool | Type | Good for |
|---|---|---|
| Debt Free - Pay Off Debt Faster (Mobile Innovations) | Payoff planner for iPhone, iPad and Apple Watch | Four strategies and a shared household |
| Debt Guide - Payoff Planner (Hussain Mustafa) | Planner with reminders and charts | Snowball, avalanche and due-date alerts |
| Debt Payoff Box: Snowball Plan (Natalia Alekseenko) | Set-once snowball plan | No need to log every transaction |
| Debt Payoff Plan Calculator (AppRebel) | Debt calculator with repayment orders | Balance-first and interest-first orders |
| Debt Payoff Planner & Tracker (OxbowSoft) | Payoff planner with a repayment schedule | Three inputs per loan |
| Debt Snowball - Payoff Planner (Polybit) | Snowball and avalanche planner | Weekly to yearly repayments |
| Debtless (Logan Moore) | Private planner with statement scanning | A statement scan and no bank link |
| DebtWise: Debt Payoff Planner (Amanuel Getachew Shiferaw) | Planner with your own payoff order | Dragging debts into your own order |
| Eliminate: Debt Payoff Planner (Eliminate) | On-device payoff planner | Nothing leaves the device |
| Snowballer: Debt Payoff (Snowballer) | Debt-free countdown planner | One monthly number, one date |
Ten apps that turn a list of debts into a plan
Debt Free - Pay Off Debt Faster (Mobile Innovations)
Best for: Applying the Debt Snowball, Avalanche, Snowflake or a custom order to see a debt-free date, and sharing the plan with up to 10 household members.
Debt Guide - Payoff Planner (Hussain Mustafa)
Best for: Building a repayment plan for credit cards and loans with the Snowball or Avalanche method, with due-date reminders and progress charts.
Debt Payoff Box: Snowball Plan (Natalia Alekseenko)
Best for: Setting up a payoff plan once and letting fast forward update your debts as if you'd followed it, instead of entering every transaction.
Debt Payoff Plan Calculator (AppRebel)
Best for: Comparing repayment orders such as highest balance first, lowest balance first or highest interest first, with payment schedules, graphs and statistics.
Debt Payoff Planner & Tracker (OxbowSoft)
Best for: Entering each loan's balance, APR and minimum payment, choosing snowball, avalanche, snowflake or a custom plan, and getting a repayment schedule.
Debt Snowball - Payoff Planner (Polybit)
Best for: Choosing any repayment frequency from weekly to yearly, checking off each payment and comparing standard, avalanche and two snowball orders.
Debtless (Logan Moore)
Best for: Adding debts by hand or by scanning a statement, comparing avalanche, snowball and hybrid strategies and logging payments, with no bank linking or account.
DebtWise: Debt Payoff Planner (Amanuel Getachew Shiferaw)
Best for: Dragging debts into the order you choose, with local reminders before each due date and Avalanche and Snowball built in, and no account or cloud.
Eliminate: Debt Payoff Planner (Eliminate)
Best for: Picking the Avalanche or Snowball method for credit cards and loans, in an app the listing says keeps everything on your device, with no accounts or servers.
Snowballer: Debt Payoff (Snowballer)
Best for: Typing in what you can pay each month to see a debt-free month, smallest balance first or highest interest first, with Face ID and no bank login.
Snowball, avalanche and apps that let you set the order
The two names come up again and again. Snowball pays the smallest balance first and avalanche pays the highest interest rate first, as Snowballer's listing puts it: 'Snowball (smallest balance first) or avalanche (highest APR first)'. Debt Guide and Eliminate stick to those two. Debt Payoff Plan Calculator offers more ways to order, from 'Highest Balance First, Snowball method' to lowest interest first, or 'no repayment strategy at all'. Debt Snowball adds a standard option and a highest-balance version of the snowball, and Debtless compares avalanche, snowball and a hybrid.
Then there are the apps that let you choose. Debt Free says 'Apply the Debt Snowball, Avalanche, Snowflake, or Custom strategies and see your exact debt-free date'. Debt Payoff Planner & Tracker lists a custom plan alongside snowball, avalanche and snowflake, which it describes as a 'one-time extra payment toward loans'. DebtWise 'gives you a third option: your own order', where you drag debts into any sequence, and Snowballer lists a custom payoff order in its optional upgrade.
That's the split a searcher wouldn't guess: some planners give you a fixed menu of orders, while at least four name a custom order you set yourself, and Debt Payoff Box says you can 'decide which debts you should pay off first'. This page doesn't say which order is right for you. That's your call, or a question for a qualified adviser.
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What each planner asks you to type in
Debt Payoff Planner & Tracker is the plainest about inputs: you need 'the current balance of the loan, the annual percentage rate (APR), and the minimum payment amount'. The others ask for much the same, with a few twists.
- Balance, rate and minimum payment. Eliminate tracks balances, APRs, limits and minimum payments for credit cards, and Debt Guide asks for balances, interest rates and due dates.
- The extra you can put in. Debt Payoff Planner & Tracker asks for an additional monthly payment, and Snowballer asks you to set what you can pay each month.
- How often you pay. Debt Snowball lets you 'Choose any repayment frequency (weekly, fortnightly, monthly, quarterly, six months, yearly)'.
- A statement instead of typing. Debtless lets you scan a statement, and Snowballer can scan receipts and bank-statement screenshots.
- Less upkeep. Debt Payoff Box says there's 'no need to track every transaction or detail', with a fast forward option that updates your debts as if you'd followed the plan.
Bank links, accounts and where your numbers live
If you'd rather not connect a bank, several listings say so up front. Debtless has 'no ads, subscriptions, bank linking, or account'. Snowballer says 'Free forever, no ads, no bank login' for its payoff plan, though its optional upgrade adds bank sync for US banks. Eliminate says it 'lives entirely on your device', with no accounts, servers or syncing, and DebtWise says 'No account, no cloud.'
Debt Free says 'your financial information stays on your device' and works without accounts, while still offering iCloud sync and a shared household of up to 10 members. Debt Payoff Planner & Tracker takes a different route: creating an account gives you a backup if you move to a new device. Debt Snowball offers a passcode, Touch ID or Face ID, and Snowballer can ask for Face ID before it opens.
Getting your debts into an app in one sitting
- Gather your latest statements so you have each balance, interest rate, minimum payment and due date to hand.
- Add every debt, including the small ones, so the plan sees the whole picture.
- Look at the orders the app offers, and read how its listing describes each one.
- Switch on due-date reminders if the app has them. Five listings here mention payment or due-date reminders.
- Log payments as you make them, so the projected date stays current.
Do you make a debt payoff planner app? Tool makers can ask to be considered for a featured place on this list.
My advice before you download a payoff planner
Decide what matters to you before you compare features. If privacy comes first, look for the listings that say no bank link and no account. If you share money with a partner, look for household sharing. If you already know the order you want to pay in, look for a custom order. And remember what the app is: a calculator for the numbers you give it. For decisions about the debts themselves, talk to a qualified adviser.
Once the plan is set, my guide to the best ways to pay online bills is a good next step, and if you're in the UK, my list of money saving apps has more ideas.
Want your tool on this list? Featured spots and reviews here are paid partnerships. Here's how to partner with me.
Frequently asked questions
What is a debt payoff planner app?
It's an app that takes your debts, with their balances, interest rates and minimum payments, and builds a repayment order and a projected debt-free date. You update it as you pay.
What's the difference between snowball and avalanche?
As the listings describe them, snowball pays the smallest balance first and avalanche pays the highest interest rate first. This page doesn't recommend either; the apps simply let you see each plan.
Can I set my own payoff order?
Some apps let you. At least four listings here name a custom or own order, including one that lets you drag debts into any sequence.
Do debt payoff apps need my bank login?
Not all of them. Several listings say they work with no bank linking or no account, and three say your debts stay on your device. One offers bank sync only in its optional upgrade.
Can I share a debt plan with my partner?
One app says you can share your plan with your household, with up to 10 members. If sharing matters to you, look for that line in the listing.
Are debt payoff planner apps free?
Several say they're free to use, as of Nov 2026, and some add an optional upgrade for extra features. Check what the free version includes before you add your debts.
