Five Free Debt Payoff Apps You’ll Want to Use Now

Five Free Debt Payoff Apps You’ll Want to Use Now
John RussoJune 5, 2019
Key Takeaways:
  • Free apps can help you pay off credit card debt.
  • Apps can help you budget and manage debt to pay if off faster.
  • Some apps help you break bad habits and reward you for meeting goals.

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Paying off your debt can be a difficult process—especially if you’re doing it on your own. It can be hard to know how much you should put towards your debt each month and what the best debt payoff strategy is for your particular situation. Luckily, there are many free debt payoff apps that could make it easier for you to manage your debt and achieve your financial goals. Here are a few of our favorites*:


Not sure how much you should be paying on your credit card debt each month? Let a robo-advisor like Tally’s debt manager make recommendations for you. This debt payoff app monitors your spending habits, credit card balances, interest rates, and payment dates. Then, it suggests a payment amount that aligns with your budget and goals. Tally even manages your credit card payments on your behalf so you don’t miss a payment.

The bottom line: Tally is great if you’re looking to completely automate your debt payoff plan.

Debt Payoff Planner

If you want to track your debt and figure out the best plan for paying it off, Debt Payoff Planner could be the right debt payoff app for you. With this app, you enter all of your outstanding debts, decide how much you want to pay each month, and set up a payoff order for your cards. The app uses this info to design a payoff plan for you to follow that could help you get out of debt faster.

The bottom line: Debt Payoff Planner helps you easily track your debt and create a repayment plan that works with your budget.


Looking for a roadmap to pay off your debt? Undebt.it is a debt payment manager that will create a repayment plan based on your preferred repayment strategy. The app generates a debt repayment spreadsheet for you to follow from with many different options, including the debt snowball, debt avalanche, and more. The app also comes with a suite of free tools to help you compare your debt repayment options and track your debt.

The bottom line: If you prefer simple spreadsheets over automated debt payoff apps, Undebt.it could help generate a repayment plan that works for you.

Money Strands

Sometimes paying off your debt is really a matter of budgeting. After all, it’s hard to know how much you can put towards your debt if you don’t have a handle on your income and expenditures. If that’s the case for you, you may try MoneyStrands. The free app helps you set up a budget, create savings goals, analyze your spending, and more.

The bottom line: While MoneyStrands doesn’t create a debt repayment plan for you per se, it could help you figure out just how much extra cash you have each month to pay off your debt.

Tip Yourself / Earnin

The Tip Yourself app (acquired by Earnin and folded into its app beginning June 30, 2020) stands apart from other debt payoff apps in that it will help you set goals and rewards for yourself and ultimately gamify your debt payoff plan. The app allows you to send yourself money for a job well done—sort of like a tip. That money is put into a savings account that you can use for whatever you want, including paying off your debt.

Let’s say you set a personal goal for yourself, like cutting back on your daily trips to your favorite café so that you can save more money each week. Every time you resist that morning caffeine fix, tip yourself $1 through the app. At the end of the month, take all those tips and put them towards your debt repayment. That way, you reinforce good habits and get out of debt sooner.

The bottom line: Tip Yourself (part of the Earnin app) makes it easy and fun to reward yourself for changing your spending habits and set aside cash to pay off your debt.

Explore your options for getting control of your financial future

Learning how to pay down debt, manage money, and plan for your future doesn’t need to be hard, especially if you use one of the various free debt payoff apps. But here is one more suggestion: We have created a simple-to-follow guide to help you find other tools and strategies for moving toward a better financial future. Get started by downloading our free guide right now.

*Editor’s Note: None of the apps in this post have provided any consideration to be mentioned here. This post is solely for the purpose of providing information and aiding research regarding debt payoff apps.

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Achieve financial control. How much debt do you have?

Get your FREE plan now

Or speak to a debt consultant  800-910-0065