Best debt payoff apps (2026).
The best debt payoff apps of 2026, compared on pricing and features: Debt Payoff Planner, Undebt.it, YNAB, Debtless: AI Debt & Budget, EveryDollar, Monarch and more, with snowball and avalanche support, free options, bank syncing and AI coaching, and who each one is best for. We make Debtless, so every fact here comes from the apps' own sites and listings and you should try the free tiers yourself. Updated October 2026.
At a glance.
| App | Best for | Platforms | Price | Payoff methods | Bank link | AI coach |
|---|---|---|---|---|---|---|
| Debtless: AI Debt & Budgetours | A payoff plan, a budget and an AI coach you can chat with, on iPhone, without connecting a bank | iPhone (iOS 17+), US and Canada | Free download; Pro required after onboarding: $9.99/month or $59.99/year (US). 7-day free trial on the annual plan. No free plan. | Snowball or avalanche, plus pick-a-date planning | Not required (statement import instead) | Yes, Debby, a chat coach that answers with your real numbers |
| Debt Payoff Planner | A long-standing, low-cost planner on every platform with a free tier | iPhone, Android, web | Free plan. Pro from $2/month (App Store: $6.99/month, $27.99/year) | Snowball, avalanche, snowflake and custom, compared side by side | Not listed | Not listed |
| Undebt.it | Anyone who wants every payoff order and bank sync for free or $10 a year | Web app, installable on iPhone and Android home screens | Free, unlimited debts. Undebt.it+ is $10/year (30-day free trial) | Eight orders including snowball, avalanche, cash flow index, custom | Optional on Undebt.it+ (SimpleFIN) | Undebt.AI plan generator on Undebt.it+, not a chat coach |
| YNAB | People whose real problem is budgeting, including couples sharing one budget | iPhone, Android, web | $14.99/month or $109/year after a 34-day free trial | Loan planner shows interest and time saved per extra dollar | Yes, automatic import | Not listed |
| EveryDollar | Followers of the Ramsey Baby Steps who want a budget built around the debt snowball | Mobile apps and web | Free version. Premium $17.99/month or $79.99/year (14-day free trial) | Debt snowball (smallest to largest) | Premium only | No; Premium includes coaching from human coaches |
| Monarch | People who want every account, budget and net worth in one place, with debt as one part | iPhone, Android, web | $14.99/month or $99.99/year (7-day free trial) | Debt payoff calculator inside a full money app | Yes, core feature | Not listed on its pricing page |
| Toffee | A simple tracker with a debt-free date and reminders, no subscription | iPhone, Android | Free to download. One-time $29.99 premium | Snowball, avalanche | No, by design | Not described |
| Vertex42 spreadsheet | Spreadsheet people. Up to ten creditors in the free file | Excel, Google Sheets, OpenOffice | Free for personal use. Paid versions $9.95 and $39.95 | Snowball, avalanche, custom, no-snowball, snowflaking | No | No |
| Relief | People in collections who need settlement and legal help, not a payoff plan | iPhone, Android | Free to download. Monthly membership, amount not listed | Not a snowball or avalanche planner | Uses your credit report | Yes, an advisor for collections and settlement questions |
Checked against each app's website and App Store listing: Debtless, Debt Payoff Planner, Undebt.it, YNAB, EveryDollar and Monarch on 9 October 2026; Toffee, Vertex42 and Relief on 14 September 2026. Prices in USD and subject to change.
The big three: pricing and features.
Debt Payoff Planner
Pricing: free plan; Pro from $2 a month on its website. The US App Store lists Pro at $6.99 a month, $13.99 for three months or $27.99 a year. Features: iPhone, Android and web apps; snowball, avalanche, snowflake (one-off extra payments) and custom plans; a debt-free date; a chart of minimum-only versus your plan; payment tracking. No bank linking or AI features are described. Best for: a simple, free planner on any phone.
Undebt.it
Pricing: free, with unlimited debts; Undebt.it+ is $10 a year with a 30-day free trial and no card. Features: a web app you can install on iPhone and Android home screens; eight payoff methods including snowball, avalanche, cash flow index and custom; Excel export and promo-rate support. Undebt.it+ adds SimpleFIN bank syncing, a YNAB link, the Undebt.AI plan generator, bill tracking with SMS reminders and no ads. Best for: the most payoff options for the least money.
YNAB
Pricing: $14.99 a month or $109 a year after a 34-day free trial; no free plan. Features: zero-based budgeting on iPhone, Android and web; automatic bank import; a loan planner that shows the time and interest saved by extra payments; YNAB Together to share with up to six people. Snowball or avalanche ordering across all debts is not described. Best for: people whose real problem is budgeting. More in our YNAB comparison.
Debtless: AI Debt & Budget
Pricing: free to download; Pro required after onboarding: $9.99 a month or $59.99 a year in the US ($12.99 or $79.99 CAD in Canada), 7-day free trial on the annual plan for eligible new subscribers, no free plan. Features: snowball and avalanche plans, a debt-free date, pick-a-date planning, budgeting, bank statement import, reminders and Debby, an AI debt coach you chat with about your own numbers. iPhone only. Best for: talking your plan through. Comparing the two leaders head to head? See Undebt.it vs Debt Payoff Planner vs Debtless.
Best debt snowball apps.
The debt snowball pays the smallest balance first and rolls each freed-up payment into the next debt. These apps all build a snowball plan:
- Debt Payoff Planner: snowball (its recommended default), plus avalanche, snowflake and custom. Free plan.
- Undebt.it: snowball and seven other orders, compared side by side. Free.
- Debtless: AI Debt & Budget: snowball or avalanche, with an AI coach to explain the difference on your debts. Paid, iPhone.
- EveryDollar: a budget built around the Ramsey debt snowball. Free version; Premium is paid.
- Toffee: snowball and avalanche with a one-time premium purchase.
Try the order on your own numbers first with the free debt snowball calculator.
Free options.
- Undebt.it: the full planner is free with no debt limit.
- Debt Payoff Planner: a free plan that builds your plan and debt-free date.
- EveryDollar: a free budgeting version built around the snowball.
- Toffee: free to download, with a one-time premium upgrade.
- Vertex42 spreadsheet, or our own free debt payoff spreadsheet.
Debtless is not a free option: it is free to download, but Pro is required after onboarding ($9.99 a month or $59.99 a year in the US, with a 7-day free trial on the annual plan for eligible new subscribers). Our browser calculators and templates are free with no sign-up.
Who each one is for.
Debtless: AI Debt & Budget
Best for: A payoff plan, a budget and an AI coach you can chat with, on iPhone, without connecting a bank.
Free download; Pro required after onboarding: $9.99/month or $59.99/year (US). 7-day free trial on the annual plan. No free plan. Checked 9 Oct 2026.
Debt Payoff Planner
Best for: A long-standing, low-cost planner on every platform with a free tier.
Free plan. Pro from $2/month (App Store: $6.99/month, $27.99/year) Checked 9 Oct 2026.
Undebt.it
Best for: Anyone who wants every payoff order and bank sync for free or $10 a year.
Free, unlimited debts. Undebt.it+ is $10/year (30-day free trial) Checked 9 Oct 2026.
YNAB
Best for: People whose real problem is budgeting, including couples sharing one budget.
$14.99/month or $109/year after a 34-day free trial Checked 9 Oct 2026.
EveryDollar
Best for: Followers of the Ramsey Baby Steps who want a budget built around the debt snowball.
Free version. Premium $17.99/month or $79.99/year (14-day free trial) Checked 9 Oct 2026.
Monarch
Best for: People who want every account, budget and net worth in one place, with debt as one part.
$14.99/month or $99.99/year (7-day free trial) Checked 9 Oct 2026.
Toffee
Best for: A simple tracker with a debt-free date and reminders, no subscription.
Free to download. One-time $29.99 premium Checked 14 Sep 2026.
Vertex42 spreadsheet
Best for: Spreadsheet people. Up to ten creditors in the free file.
Free for personal use. Paid versions $9.95 and $39.95 Checked 14 Sep 2026.
Relief
Best for: People in collections who need settlement and legal help, not a payoff plan.
Free to download. Monthly membership, amount not listed Checked 14 Sep 2026.
What to look for.
- A real plan, not just a tracker. The app should order your debts (snowball or avalanche), tell you what to pay on each this month, and show a debt-free date that moves when you change the extra payment.
- Low friction on payday. Logging a payment should take seconds. If it is a chore you will stop, and the plan only works if you keep it current.
- Honest pricing. A free tier that builds the whole plan, and a clear price for anything extra. Beware trials that convert silently.
- Your data, your call. Bank syncing is convenient but optional. You should be able to run the whole plan from typed-in balances.
- Help when you are stuck. Whether that is a coach in the app, a good FAQ, or a human on email.
Want to see the math before you download anything? Run your numbers in the snowball calculator or compare orders on the snowball vs avalanche page.
Try Debtless for 7 days.
Snowball or avalanche, a debt-free date that moves as you pay, and a coach that knows your numbers. No bank login needed. iPhone only, US and Canada. 7-day free trial on the annual plan, then $59.99/year (or $9.99/month); see pricing.
Keep going.
Debtless and YNAB, side by side, and when YNAB wins.
The two most-compared payoff apps, plus Debtless, side by side.
Debtless and Undebt.it, side by side, and when Undebt.it wins.
What chatting with Debby about your debt looks like.
Run both orders on your debts and see the difference in dollars and months.
The same plan, kept for you.
Debtless does this math from the payments you log and moves the date every month. 7-day free trial on iPhone.
One card, one number, one day you hit zero.
Pick the order, see the date move, switch any time.
Answers with your real balances, rates and budget.