Paying off debt feels more doable when you have the right tools. And one of the most helpful tools can be a debt payoff app. Depending on what you’re looking for, these apps can help you create a debt payoff strategy, set aside extra money for payments, and keep you motivated the whole way through.
Here are the best debt payoff apps for 2025, plus how to pick the right one for you.
| App | Best for |
| YNAB (You Need a Budget) | Hands-on budgeting |
| Debt Payoff Planner | Projected debt-free date |
| Undebt.it | Customized payoff plan |
| Rocket Money | Cutting unnecessary expenses |
| Qapital | Automatic savings for debt payments |
Here’s why we picked them and who each is best for.
You Need A Budget (YNAB)
Best for Hands-on Budgeting
Why YNAB is one of the best
YNAB uses zero-based budgeting to help you break the cycle of debt. Instead of tracking what you already spent, YNAB gives every dollar a job before you spend it, so you stay in control.
The app’s loan payoff planner shows exactly how much faster you can be debt-free (and how much interest you’ll dodge) by making extra payments. Plus, built-in goal tracking keeps you motivated along the way. It’s great if you’re serious about ditching debt and want a system that holds you accountable.
- Loan payoff simulator helps you map out your debt-free timeline.
- Tracks spending in real time to prevent overspending.
- Encourages intentional spending so you can pay off debt faster
- Costs $109/year after the free trial.
- Requires more effort than fully automated apps.
- No direct bill payments; you still pay debts manually.
| Cost | $14.99/month or $109/year (34-day free trial) |
| Availability | iOS, Android, web |
| Key features | Loan payoff simulator to map out debt-free timelines Credit card payment tracking to avoid lingering balances Goal-setting tools to prioritize savings and debt repayment |
Debt Payoff Planner
Best for Projected Debt-free Date
Why Debt Payoff Planner is one of the best
Debt Payoff Planner does one thing really well: helping you pay off debt. Unlike general budgeting apps, it’s laser-focused on showing you exactly when you’ll be debt-free based on your balances, interest rates, and payments.
You can choose between the snowball, avalanche, or a custom payoff method, and the app keeps you motivated with progress charts and debt-free milestones. It’s great if you want a no-nonsense plan to ditch debt without the distractions of full-scale budgeting tools.
- Calculates your exact debt-free date based on your repayment plan.
- Supports snowball, avalanche, and custom payoff methods.
- Easy-to-read charts and progress trackers for motivation.
- Free version has limited features.
- No automatic debt payments; manual tracking only.
- Lacks full budgeting tools for overall financial management.
| Cost | Free; Pro version starts at $2/month |
| Availability | iOS, Android, web |
| Key features | Includes a payoff date calculator for every debt Gives a side-by-side comparison of debt snowball vs. avalanche methods Has progress charts and notifications to keep you motivated |
Undebt.it
Best for Customized Payoff Plan
Why Undebt.it is one of the best
Undebt.it is a powerhouse for anyone who wants to tackle debt their way. You can choose from eight different payoff methods—including debt snowball, debt avalanche, highest monthly payment, highest credit utilization, and custom plans—and track your progress over time.
Unlike other apps, Undebt.it doesn’t sync with your bank accounts, so you’ll enter your debt details manually. This takes extra effort, but it gives you complete control over tracking and adjusting your plan. And if you use YNAB, you can integrate the two for a seamless budgeting and debt management system.
- Supports multiple payoff strategies, including custom plans.
- Tracks debt-free progress with detailed charts and timelines.
- Free version available with core features.
- No bank syncing, so you must enter data manually.
- No mobile app; only available via web browser.
- Premium features (like custom payoff method) require a paid upgrade.
| Cost | Free; Premium version is $12/year |
| Availability | Web only |
| Key features | Choose from 8 debt payoff methods Track payments and payoff timeline Syncs with YNAB for integrated budgeting |
Rocket Money
Best for Cutting Unnecessary Expenses
Why Rocket Money is one of the best
Rocket Money isn’t your typical debt payoff app, but it’s a great option for anyone trying to eliminate debt faster. It can help you automatically track your finances, find and cancel unwanted subscriptions, and negotiate lower bills to free up extra cash to put toward your debt balances.
Rocket Money also offers budgeting tools, savings automation, and net worth tracking, so it’s great if you’d prefer an all-in-one financial management app.
- Identifies and cancels unwanted subscriptions.
- Negotiates lower bills to save you money.
- Tracks spending and net worth in one place
- Not specifically for debt payoff but does have features to help.
- Some features require a paid subscription.
- Bill negotiation fees may apply.
| Cost | Free; Premium is $6 – $12/month (7-day free trial) |
| Availability | iOS, Android, web |
| Key features | Subscription tracking and cancellation Bill negotiation services Automated savings and budgeting tools |
Qapital
Best for Automatic Savings
Why Qapital is one of the best
Qapital makes saving for debt payments feel effortless. Instead of manually setting money aside, you can create custom savings rules—like rounding up purchases or setting aside money on payday—to gradually build a fund for extra debt payments. It’s an easy way to stay consistent without relying on willpower.
The app also includes budgeting tools and investment options. If you struggle to find extra money for debt payoff, you can use Qapital to stash away funds without even noticing.
- Automates savings with customizable rules.
- Helps set aside money without feeling the pinch.
- Includes budgeting and investment features.
- Doesn’t directly track or manage debt payments.
- Monthly fee required (no free version).
- Some features may be overkill if you just want a simple debt payoff tool.
| Cost | $3 – $12/month |
| Availability | iOS, Android |
| Key features | Set-and-forget savings automation Payday Divvy tool to allocate funds toward bills, savings, and debt Shared goals with partners or friends |
If you’re choosing between apps and tools to help you pay off debt, I suggest thinking about your approach to debt management and your budgeting style first. Understanding these items first can help you find an app that you will use effectively and consistently.
How do debt payoff apps work?
Debt payoff apps help you stay organized and make steady progress toward becoming debt-free. Some focus purely on tracking and strategy, while others help you find extra cash or automate savings toward debt.
Most apps support two popular payoff methods:
- Debt snowball: Pay off the smallest balance first to build momentum.
- Debt avalanche: Target the highest-interest debt to minimize costs.
Depending on the app, you might get payoff calculators, spending insights, or goal tracking to keep you motivated.
Some apps (like Rocket Money) find extra money in your budget by canceling subscriptions or lowering bills. In contrast, others (like Qapital) automate savings so you can build a fund for extra debt payments without thinking about it.
No matter which features you’re looking for, the right app makes paying off debt clearer and (almost) satisfying.
Are debt payoff apps safe?
Most debt payoff apps are safe, but some may not be. Before linking your financial accounts, take a few steps to protect yourself.
Look for apps that:
- Use bank-level encryption to secure your data.
- Require multi-factor authentication for extra account protection.
- Have a clear privacy policy that explains how they handle your information.
Be cautious of apps that ask for unnecessary permissions. You can also check user reviews or look up app reviews on reputable finance sites like LendEDU before downloading.
How to use debt payoff apps with other strategies
Debt payoff apps can be powerful, but they work best with the right strategy. Depending on your situation, you might want to combine an app with one of these approaches:
- Debt consolidation loans: You roll multiple debts into a single loan with a lower interest rate—especially if you have good or excellent credit. SoFi is our team’s highest-rated debt consolidation loan for those with good credit. You can qualify for a rate as low as 7.49% APR. So it’s great for high-interest debt (like credit cards) because it can cut interest costs and simplify the number of payments you must keep up with. You could also look into nonprofit debt consolidation. Check out our recommendations for the best debt consolidation loans.
- Balance transfer credit cards: Some credit cards offer 0% interest promotions for a limited time. This can be an excellent way to pay off debt without interest if you can pay it off before the regular rate kicks in.
- Credit counseling: A nonprofit credit counselor can help you create a structured plan to pay off your debt and even help you negotiate lower rates.
- Debt relief programs: If payments feel impossible, you could explore a structured settlement or management plan with one of the best debt relief companies. But weigh the pros and cons of debt relief if you go this route. It’s not always a good idea.
The right approach depends on your goals. If your debt feels manageable but lacks structure, just using an app may be enough. But if you feel overwhelmed and are missing payments, it may be time for a more aggressive approach—like consolidation or debt relief.
How to choose the right debt payoff app for you
The right debt payoff app depends on how you like to manage money. Here’s what to look for:
- Do you want full control or a hands-off approach? If you like mapping out every step and customizing your plan, Undebt.it lets you pick from multiple payoff strategies and track everything manually. If you’d rather automate savings and let an app set aside extra cash for debt, Qapital works for you.
- Need a specific payoff strategy? If you want a structured debt snowball or avalanche plan, Debt Payoff Planner and Undebt.it give you multiple options. YNAB includes a loan payoff simulator to help you build a plan but focuses more on overall budgeting.
- Want your accounts to sync automatically? Rocket Money and YNAB pull in transactions from your bank, helping you track spending and debt payments in real time. Undebt.it requires manual entry, which is great if you want more hands-on control.
- Are premium features worth it? Free apps help with basic tracking, but a paid version might be better if you want automated savings, bill negotiation, or in-depth debt planning.
Recap of the 5 best debt payoff apps for 2025
| App | Best for |
| YNAB (You Need a Budget) | Hands-on budgeting |
| Debt Payoff Planner | Projected debt-free date |
| Undebt.it | Customized payoff plan |
| Rocket Money | Cutting unnecessary expenses |
| Qapital | Automatic savings for debt payments |