The best debt payoff apps.
Seven tools people actually use to get out of debt, compared on price, payoff methods, bank syncing and coaching. We make one of them, so every fact here comes from the apps' own listings and you should try the free tiers yourself.
At a glance.
| App | Platforms | Price | Payoff methods | Bank link | AI coach |
|---|---|---|---|---|---|
| Debtlessours | iPhone (iOS 17+) | Free to download. Premium tier for unlimited coaching. | Snowball, avalanche, custom | Not required | Yes, a coach that answers with your real numbers |
| Debt Payoff Planner | iPhone, Android, web | Free plan. Pro from $2/month | Snowball, avalanche, snowflake, custom | Not listed | No |
| Undebt.it | Web app, installable on iPhone and Android | Free, unlimited debts. Plus is $10/year | Eight orders including snowball, avalanche, hybrid, custom | Yes, on Plus (SimpleFIN) | One-shot plan generator on Plus, not a chat coach |
| YNAB | iPhone, Android, web | $14.99/month or $109/year after a free trial | Loan planner shows interest and time saved per extra dollar | Yes, automatic import | No |
| Toffee | iPhone, Android | Free to download. One-time $29.99 premium | Snowball, avalanche | No, by design | Not described |
| Vertex42 spreadsheet | Excel, Google Sheets, OpenOffice | Free for personal use. Paid versions $9.95 and $39.95 | Snowball, avalanche, custom, no-snowball, snowflaking | No | No |
| Relief | 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 14 September 2026 against each app's website and App Store listing. Prices in USD and subject to change.
Who each one is for.
Debtless
A payoff plan plus an AI coach, without connecting a bank.
Debt Payoff Planner
A long-standing planner with a large user base and a strategy comparison.
Undebt.it
Power users who want every ordering method and bank sync for very little money.
YNAB
People whose real problem is budgeting; the debt tools ride along.
Toffee
A simple tracker with a debt-free date and reminders, no subscription.
Vertex42 spreadsheet
Spreadsheet people. Up to ten creditors in the free file.
Relief
People in collections who need settlement and legal help, not a payoff plan.
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 free.
Snowball, avalanche or your own order, a debt-free date that moves as you pay, and a coach that knows your numbers. No bank login needed. iPhone only for now.
Keep going.
Smallest balance first. See your payoff order and debt-free date.
Run both orders on your debts and see the difference in dollars and months.
Excel and Google Sheets template with a month-by-month schedule.
The plain-language playbook, from first list to last payment.
The same plan, kept for you.
Debtless does this math from the payments you log and moves the date every month. Free 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.