Skip to Content

Best Debt Payoff Apps for 2022

This is a list of the best debt payoff apps for 2022.

Hand squeezing a crumpled piece of paper with the word debt

A new year is the perfect time to make a resolution to take control of your finances and pay off debt. Paying off your debt frees yourself from the burden of interest and opens the door to a new flow of cash. It can also help increase your credit score.

Paying off debt is not an easy task especially when you’re stuck not knowing where to get the money in order to pay off your debt obligations in the first place.

One of my favorite ways to pay off debt, is to manage it using a debt pay off app. These debt reduction apps are easy to use and help you visually see where your money is going, help you create a budget and help you so you can put your money to better use to pay off debt fast.

The 7 Best Debt Payoff Apps for 2022


Digit is one of the greatest debt payment apps because it helps you track your income and save every penny you can afford to save. The Digit app will track what you make and help you make wise purchasing decisions because of its ability to analyze and respond to your spending habits.

Cost: The app is $5 per month and comes with a month-long free trial, so it’s a great investment to make for little money down. Use Digit to create and follow certain and specific financial goals and help yourself out of debt.



The beauty of Mint is its connectivity. You can link all of your financial apps to Mint and track your spending from one easy hub. Your loans, investments, expenditures, and income can all be tracked from this one app, which keeps you in the clear about what you’re spending and what you’re saving.

Mint also comes with a handy budgeting tool to help you plan for your month and know if there’s any financial cliffs coming in the near future.

Cost: Mint is completely free to use, so you won’t have to worry about an additional payments, and it’s a great way to help you stay financially solvent. Plus, you can use their desktop or app version for easy access at all times.



Quicken is your one-stop-shop for debt relief. It’s an app which works great for both Mac and Windows operating systems and comes with a fantastic and user-friendly app. Tens of thousands of people around the world use Quicken to help them track their financial movements and keep tabs on every expenditure they make during the month.

Quicken is great at categorizing your spending, giving you key information about how you’re spending and where you can improve your financial habits. Like Mint, you can keep all of your spending practices in one place, making it easy for you to put your finances in perspective.

Cost: Quicken starts at just $35 per year ($2.92/month) and they often run promotions and deals to save even more.


Debt Payoff Planner

If categorization is what you’re looking for, Debt Payoff Planner is what you need. This is an app which allows you to categorize your debt and interest into up to eight categories, including auto loans, home loans, and personal loans.

You can keep track of how much you owe in each category and pay them off as you see fit so that your debt never sneaks up on you becomes more unmanageable.

Cost: Debt Payoff Planner is free with ads, though the premium is dirt cheap. It costs only $24 for two years of the app, in which time you should be able to pay off your debt and never look back.

Debt Payoff Planner


Tally is one of the best debt repayment apps because of the incredible degree of automation it allows you to take advantage of. Tally will automatically pay your credit card debt for you, using integrated software to choose the appropriate amount to pay. If you feel uncomfortable with the automatic payments, you can also pay from the app manually.

Tally actually offers lines of credit at lower interest rates than the average, meaning you can save for yourself while you’re busy paying off your debt. It also pays off the highest interest rates last, a system known as the “debt avalanche.”

Cost: Tally doesn’t cost anything but it does require you to open a low-interest credit line. Think of it as a personal loan for attacking debt.



Organization and agency are the key factors to Qube. The app allows you to track your spending and organize your expenditures in any way you like, in order to take control of your own money and spend how you see fit, while saving money.

Qube is also rolling out a new automated debt reduction feature in the near future, meaning you won’t have to calculate the money you need to spend and save for your future by yourself.

Cost: Qube has both paid and free versions of the software, so you can spend as much as you’d like to help take control of your future and organize your debt in the way you best see fit.



This is a neat little app to aid you on your journey to debt repayment. The concept is quick and simple. When you install Qoins on your phone, the app will round up every time you make a purchase with your debit card and carry that money over to a debt repayment. So, if, for example, you spend $7.50 on lunch, the app will round up eight dollars and save the extra fifty cents in an account.

The money in the account is used to help you pay off debts every month making it a stress-free way to pay off debt.

Cost: The app is only three dollars per month and automatically applies its functionality to every purchase you make, so you never have to worry about manually saving your nickels and dimes.



Debt doesn’t have to be a way of life. With strategic planning, a steady flow of cash, a solid budget and a payoff debt app, you can be debt free in no time. This means overall financial success and an official win with money.

How Does Tax Debt Forgiveness After 10 years Work? - Debt Game Over

Sunday 20th of March 2022

[…] is that there is a 10-year statute of limitations. That means if the IRS hasn’t collected the debt you owe them in 10 years, the debt is wiped clean from their […]