Debt Tracker turns "I think I owe about…" into an exact number, a date, and a plan to get there.
Add what you owe, from credit cards and student loans to car finance or the money you borrowed off your sister, and see the whole picture on one screen: your total, what you're owed back, what interest costs you each day, and the date you'll be debt-free.
A PLAN THAT TELLS YOU WHAT TO PAY
Enter each debt's balance, rate and minimum payment, pick a strategy and a monthly budget, and Debt Tracker builds your plan: exactly what to pay on each debt, every month, until you're free.
SIX STRATEGIES, COMPARED ON YOUR NUMBERS
Snowball for quick wins. Avalanche for the lowest interest. Consolidation for one simple payment. Plus Highest Interest Cost, Cash Flow, or your own order. See which clears your debt soonest and cheapest, then make it your plan.
WHAT IF
Try a raise, a bonus or a tax refund and watch your debt-free date move.
WATCH THE BALANCE FALL
The Progress tab charts your balance against your plan and tells you when you're ahead. Streaks and badges mark the way.
LOG A PAYMENT IN SECONDS
Your minimum is already filled in, so logging a payment is one tap. Made a mistake? Undo it, or delete it from your payment history.
NEVER MISS A DUE DATE
Get reminded before each due date, so late fees don't undo your work. A calendar shows what's due this month and what's already paid.
WIDGETS AND SIRI
See your balance and next due date on your Home Screen and Lock Screen. Ask Siri how much you owe, or log a payment without opening the app.
MONEY YOU'VE LENT, TOO
Debt Tracker keeps track of what friends and family owe you alongside what you owe, so your net position is honest.
EVERY DETAIL IN ONE PLACE
Tag each debt as a credit card, student loan, mortgage, car loan, medical, tax or personal loan. Add the lender, account reference, contact and notes. Track credit limits, 0% promotional rates and rate changes coming up. Group debts into categories that make sense to you.
PRIVATE BY DESIGN
No account. No sign-up. No bank logins. Your debts stay on your device unless you choose otherwise. Lock the app with Face ID, and turn on iCloud sync to use it on iPhone and iPad, in your own private iCloud, never on our servers. Import from a spreadsheet or export to CSV any time.
ANY CURRENCY, ANY LANGUAGE
Every world currency, 28 languages, Dark Mode and Dynamic Type.
FREE TO START
Track up to 5 debts with your debt-free date, reminders, payment logging, streaks and badges, the calendar, a Home Screen widget, sharing and export, free.
DEBT TRACKER PRO
A subscription unlocks:
• Unlimited debts and categories
• Your payoff plan: strategy comparison, month-by-month payments, payoff dates and What If
• Debt Coach, a private on-device AI you can ask about your debts (requires a supported device; written guides are free for everyone)
• Balance history against your plan
• Lock Screen and larger widgets, and logging from a reminder, widget or Siri
• Face ID lock and iCloud sync
• CSV import and future rate changes
Subscriptions are billed through your Apple Account. The monthly plan starts with a 3-day free trial. Payment is charged at confirmation of purchase, and renews automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel any time in your Apple Account settings.
Terms and Privacy Policy: https://undebt5.wordpress.com/
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