Compare
Best debt payoff apps
We built PayoffPal, so take that into account — but this is a straight comparison, not a list rigged to make us look best. Every tool here does something well.
| Tool | Price | Platforms | Strategies | Best for |
|---|---|---|---|---|
| Debt Payoff Planner & Tracker | Free, Pro from ~$2/mo | iOS, Android, web | Snowball, avalanche | People who want a native mobile app with offline support |
| PayoffPal | Free | Web | Snowball, avalanche, balanced (weighted hybrid) | People who want the simplest possible setup and a visual, gamified payoff tracker |
| Undebt.it | Free, Undebt.it+ paid add-on | Web | Snowball, avalanche, hybrid, and several more (8 total) | People who want to compare multiple payoff formulas and export to Excel |
| Unbury.me | Free, no account required | Web | Snowball, avalanche | A quick one-off calculation with zero commitment |
| YNAB | $14.99/mo or $109/yr (34-day trial) | iOS, Android, web | No dedicated snowball/avalanche planner; has a loan calculator inside a full budgeting system | People whose real problem is overall budgeting, not just debt order |
| Spreadsheet (DIY) | Free (if you already own spreadsheet software) | Wherever your spreadsheet app runs | Whatever you build | People who want full control and are disciplined about updating it |
Debt Payoff Planner & Tracker
A native mobile app (iOS and Android, plus web) with a free tier and a Pro upgrade around $2/month. It supports snowball and avalanche, side-by-side strategy comparison, and works offline. If you specifically want an app icon on your home screen rather than a web tool, this is the strongest option here — PayoffPal is web-only today.
PayoffPal
Free, web-based, with three strategies (snowball, avalanche, and a balanced weighted hybrid). The pitch is simplicity: a five-minute setup, no bank connection, and a visual block-tower tracker designed to keep you checking back in. The tradeoff is fewer strategies and features than Undebt.it, and no native mobile app.
Undebt.it
The deepest free tier on this list — around eight payoff strategies, Excel export, unlimited debts. Undebt.it+ adds bill tracking, a savings challenge, calendar sync, and AI planning for a low annual fee. If you want options rather than simplicity, this is the one to try.
Unbury.me
The lightest-weight option: a free loan calculator, no account needed, snowball and avalanche only. Good for a quick one-time projection. It's a calculator more than an ongoing tracker — there's no visual motivation layer and less built for coming back to over months.
YNAB
Not really in the same category — YNAB is a paid, full zero-based budgeting system with a loan calculator built in, not a dedicated debt payoff planner. It's the right tool if your problem is broader than debt order: tracking every category of spending, not just which balance to attack first.
Spreadsheet (DIY)
Free if you already have the software, fully customizable, and entirely under your control. The catch is maintenance — every tool on this list recalculates automatically after a payment; a spreadsheet only does that if you remember to update it.
What's the best debt payoff app?
It depends what you're optimizing for. If you want the fewest steps and a free plan, PayoffPal or Unbury.me get you there fastest. If you want more payoff formulas and data export, Undebt.it has the deepest free tier. If you want a native mobile app, Debt Payoff Planner & Tracker is built for that. If your real problem is overall budgeting rather than debt order specifically, YNAB is a different category of tool worth considering.
Is there a completely free debt payoff app?
Yes — PayoffPal, Unbury.me, and Undebt.it's core tier are all free with no credit card required. YNAB and Undebt.it+ are paid; Debt Payoff Planner & Tracker has a free tier plus an optional Pro upgrade.
Do any of these apps require connecting my bank account?
None of the dedicated debt payoff tools listed here (PayoffPal, Undebt.it, Unbury.me, Debt Payoff Planner & Tracker) require a bank connection — you enter debts manually. YNAB is typically used with bank accounts connected, since transaction import is core to its budgeting method.
What's the difference between snowball and avalanche, and does it matter which app I use?
Snowball pays off the smallest balance first for quick psychological wins; avalanche pays off the highest interest rate first to minimize total interest paid. Every tool on this list except the spreadsheet option and YNAB's loan calculator supports both, so the app you pick matters less than which strategy you choose to follow.
Should I just build my own spreadsheet instead?
If you're comfortable with formulas and disciplined about updating the file after every payment, a spreadsheet works and costs nothing beyond software you probably already have. Most people who try this stop updating it within a few weeks, which is the main reason dedicated apps exist.
Try PayoffPal's approach
Free, three strategies, about five minutes — see if the simple version fits.
Or read the direct comparisons: vs YNAB, vs Undebt.it, or vs spreadsheet.