Pay off Your Debts With These 18 Mobile Debt Apps

Updated on February 7, 2024

At a Glance

  • The article provides a comprehensive list of 18 mobile debt apps that can help you manage and pay off your debts.
  • Each app in the list offers unique features, from consolidating your debts to visualizing your progress.
  • The apps can be a useful tool for taking control of your financial future and working towards becoming debt-free.
  • Examples of these apps include Debt Payoff Planner, Mint, You Need a Budget (YNAB), and Credit Karma, among others.

If you’re drowning in debt and looking for a way to get your financial life back on track, you’ve come to the right place. In today’s digitally-driven world, there’s an app for everything, and debt management is no exception. With the help of these 10 mobile debt apps, you can finally take control of your finances and start paying off those nagging debts once and for all.

These 18 mobile debt apps can help you pay off your debts

Let’s dive into the world of mobile debt apps and discover how each one can assist you in your journey towards financial freedom.

1. Debt Payoff Planner

Debt Payoff Planner is a powerful app that allows you to create a customized plan to pay off your debts. It takes into account your current debts, interest rates, and monthly payments to create a personalized debt repayment strategy. With its user-friendly interface, you can easily track your progress and stay motivated as you work towards becoming debt-free.

2. Mint

Mint is not just a debt app but an all-in-one personal finance tool. It helps you track your expenses, create budgets, and manage your debts in one place. With its intuitive interface and real-time updates, you can stay on top of your financial goals and make informed decisions about your money.

3. You Need a Budget (YNAB)

YNAB is a popular app that focuses on budgeting and debt management. It helps you allocate your income towards your expenses, savings, and debt payments. YNAB’s unique approach encourages you to give every dollar a job, ensuring that you are making the most of your money and working towards your debt-free future.

4. Debt Free

Debt Free is a straightforward app that helps you visualize your debt repayment progress. It allows you to input your debts and track your payments, giving you a clear picture of how far you’ve come and how much further you have to go. With its motivating features and debt payoff calculators, Debt Free keeps you motivated and focused on your financial goals.

5. Credit Karma

Credit Karma is not just a credit monitoring app but also a valuable tool for managing your debts. It provides you with personalized recommendations for paying off your debts faster and improving your credit score. With Credit Karma, you can stay informed about your debts and take proactive steps towards financial success.

6. PocketGuard

PocketGuard is a budgeting app that helps you track your expenses and manage your debts. It syncs with your bank accounts and credit cards, automatically categorizing your transactions and giving you a clear overview of your financial health. With its debt tracking feature, PocketGuard helps you stay organized and motivated to pay off your debts.

7. Debt Manager

Debt Manager is a comprehensive app that allows you to track and manage all your debts in one place. It provides you with a clear overview of your debts, including interest rates, minimum payments, and total balances. With its customizable payment plans and progress tracking, Debt Manager empowers you to take control of your debts and achieve financial freedom.

8. EveryDollar

EveryDollar is a budgeting app that helps you create a monthly budget and track your expenses. By allocating your income towards debt payments, you can prioritize paying off your debts and make progress towards your financial goals. EveryDollar’s user-friendly interface and goal tracking features make it easy to stay on top of your debt repayment journey.

9. Prism

Prism is a bill payment app that helps you stay organized and never miss a payment. By managing your bills efficiently, you can avoid late fees and penalties that can increase your debt burden. Prism’s intuitive interface and reminders ensure that you stay on top of your financial obligations and maintain a healthy financial life.

10. Goodbudget

Goodbudget is a budgeting app that uses the envelope system to help you manage your money and pay off your debts. It allows you to allocate your income towards different categories, including debt payments, and track your progress. With its visual representation of your budget, Goodbudget keeps you motivated and accountable as you work towards becoming debt-free.

11. Tally

With Tally, managing your debts becomes a breeze. This app consolidates all your credit card balances into one monthly payment, taking the stress out of keeping track of multiple due dates and interest rates. Tally also helps you save money by finding ways to lower your interest rates and pay off your debts faster. It’s like having a personal finance assistant in your pocket!

12. Debt Payoff Planner

Planning how to pay off your debts can be overwhelming, but Debt Payoff Planner makes it easy. This app helps you create a customized debt repayment plan based on your financial situation. It breaks down your debts into manageable chunks and shows you the fastest and most efficient way to become debt-free. Say goodbye to stress and hello to financial freedom!

13. ChangEd

If you find it challenging to save money while paying off your debts, ChangEd is the app for you. This innovative app rounds up your everyday purchases to the nearest dollar and automatically applies the spare change towards your debts. The small amounts may seem insignificant, but they add up over time and can make a big difference in your debt repayment journey.

14. Qoins

Qoins takes the concept of spare change one step further by rounding up your purchases and using the money to make automated debt payments. Not only does this app help you save through micro-savings, but it also tackles your debts head-on. Qoins makes the process of paying extra towards your debts painless and effortless.

15. Debt Free

With Debt Free, you can visualize your progress as you pay off your debts. This app creates a visual debt payoff plan, showcasing your journey to becoming debt-free. It motivates and encourages you, as each payment brings you one step closer to financial freedom. Say goodbye to tedious spreadsheets and hello to a clear path towards debt freedom!

16. Debt Payoff Assistant

If you’re struggling to find the motivation to pay off your debts, Debt Payoff Assistant is here to help. This app uses gamification techniques to turn debt repayment into a fun and rewarding experience. It provides you with challenges, milestones, and rewards, keeping you engaged and motivated throughout your debt-free journey. With Debt Payoff Assistant, paying off your debts becomes an exciting game!

17. Credit Card Payoff

If credit card debts are weighing you down, Credit Card Payoff is the app you need. This app focuses specifically on credit cards and helps you create a personalized repayment plan. It shows you how different payment strategies, like the snowball or avalanche method, can impact your debt payoff timeline. Credit Card Payoff empowers you to take control of your credit card debts and eliminate them for good.


Rounding out our list is, a website that offers a simple and intuitive way to visualize your debt payoff. While it’s not a mobile app, it’s worth mentioning as a valuable tool. allows you to input your debts, interest rates, and monthly payments, and then shows you various repayment options. It’s a handy visual aid that helps you understand the impact of different strategies on your debt journey.

With these mobile debt apps, you have the power to take control of your financial future. From consolidating your debts to visualizing your progress, each app offers unique features to help you pay off those burdensome debts. So why wait? Download these apps today and get ready to say goodbye to debt and hello to a brighter financial future!

Frequently Asked Questions (FAQ)

What are mobile debt apps?

Mobile debt apps are smartphone applications designed to help you manage and pay off your debts. They provide various features like budgeting tools, debt repayment strategies, and progress tracking.

How do mobile debt apps work?

Mobile debt apps work by providing tools to help you manage your finances. This can include consolidating all your debts in one place, providing strategies for debt repayment, and allowing you to track your progress towards being debt-free.

Are mobile debt apps safe to use?

Most mobile debt apps use encryption and other security measures to protect your data. It’s important to read the app’s privacy policy and reviews before using it to ensure it is safe and reliable.

Are these mobile debt apps free?

Some mobile debt apps are free, while others offer premium features for a subscription fee. Be sure to check the pricing details before downloading an app.

Which mobile debt app is the best?

The best mobile debt app depends on your individual needs and circumstances. It’s recommended to try out a few different apps to see which one works best for you.

Can these apps improve my credit score?

While these apps can help you manage your debts, paying off your debts on time and in full is the most effective way to improve your credit score.

Can I use more than one debt app?

Yes, you can use more than one debt app if you find the combination of features helpful for managing your debts.

Do these apps provide financial advice?

While some apps may provide general financial advice, they do not replace the advice of a financial advisor. You should always consult a financial advisor for personalized financial advice.

What are the advantages of using mobile debt apps?

Using mobile debt apps can make managing and paying off your debts more manageable. They provide tools and resources right at your fingertips, making it easier to stay on top of your debts.

What if I can’t afford to pay off my debts, even with these apps?

If you’re struggling with debt, it’s important to speak with a financial advisor or a credit counseling agency. They can provide personalized advice and help you explore options such as debt consolidation or debt settlement.

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Frank Gogol

I’m a firm believer that information is the key to financial freedom. On the Stilt Blog, I write about the complex topics — like finance, immigration, and technology — to help immigrants make the most of their lives in the U.S. Our content and brand have been featured in Forbes, TechCrunch, VentureBeat, and more.

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