Debt Tracker by UnDebt

About this app

Debt Tracker turns "I think I owe about…" into an exact number, a date, and a plan to get there. Add what you owe — credit cards, student loans, car finance, the money you borrowed off your sister — and see the whole picture on one screen: your total balance, what you're owed back, and how much you've already cleared. ONE CLEAR BALANCE Everything you owe in a single number, with a progress bar showing how far you've come and a countdown to the day you're debt-free. A PAYOFF DATE YOU CAN PLAN AROUND Enter each debt's balance, interest rate and minimum payment, and Debt Tracker works out the month it clears. Then try paying a little extra and watch the date move — see exactly what an extra amount each month saves you in time and interest. THREE STRATEGIES, COMPARED ON YOUR NUMBERS Snowball for quick wins. Avalanche for the lowest interest. Consolidation for one simple payment. Compare all three side by side, see which clears your debt soonest and cheapest, then pick one as your plan. WATCH THE BALANCE FALL Charts show your balance dropping month by month, so progress is something you can see rather than something you have to take on faith. NEVER MISS A DUE DATE Set due dates and get reminded up to a week ahead, so late fees don't undo your work. Mark the ones that repeat monthly and they look after themselves. A calendar view shows what's coming. MONEY YOU'VE LENT, TOO Most debt apps only look one way. Debt Tracker keeps track of what friends and family owe you alongside what you owe, so your net position is honest. LOG EVERY PAYMENT Record payments as you make them and watch the balance and payoff date move. Milestones at 25%, 50% and 75% mark the way, because clearing debt is a long road and it helps to see the markers. ORGANISED HOWEVER YOU THINK Group debts into categories that make sense to you, and tag each one as a credit card, student loan, mortgage, medical, tax or personal loan. See at a glance which kind of borrowing is costing you most. PRIVATE BY DEFAULT No account. No sign-up. Your debts stay on your device unless you choose otherwise. Turn on iCloud sync and they travel with you across iPhone and iPad, in your own private iCloud — never on our servers. Export everything to CSV any time, so your data is always yours to take. BUILT PROPERLY Full support for Dark Mode and Dynamic Type, so it looks right and reads comfortably however you have your phone set up. DEBT TRACKER PRO A subscription unlocks: • Unlimited categories • Payoff dates and what-if projections • Strategy comparison across all your debts • Debt Coach, a private on-device AI you can ask about your debts (requires a supported device; written guides are available to everyone) • All 25 supported currencies 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/

Version 2.0 is a complete rebuild. New look, new tools, and a payoff engine that's far more accurate than before. REDESIGNED, TOP TO BOTTOM Every screen has been rebuilt around a single design system. A clear balance you can read at a glance, softer cards, proper spacing, and colour that means something — teal for money coming to you, coral for money going out. SEE YOUR BALANCE FALL New charts plot your balance month by month, all the way to zero. On any debt you can overlay "paying extra" against "minimum only" and watch the two curves separate. MINIMUM PAYMENTS, PROPERLY You can now enter each debt's real minimum payment. Payoff dates used to be based on an estimate, which could be out by years on a fixed instalment like car finance. Where you haven't entered one yet, the app tells you the date is an estimate rather than quietly presenting a guess as fact. MORE ACCURATE INTEREST Interest is now calculated one consistent way across the whole app, so the figure on a debt matches the figure in its projection. Interest also accrues on debts without a due date — previously those showed zero, which was simply wrong. Because of both fixes, some payoff dates and interest totals will look different from before. The new numbers are the correct ones. YOUR PLAN DRIVES YOUR OVERVIEW Pick a strategy and a monthly budget in Compare Scenarios, and the debt-free countdown on your Overview projects from that plan instead of assuming the bare minimum. LOAN TYPES Tag debts as a credit card, student loan, auto loan, mortgage, medical, tax, personal loan or other. A new breakdown shows what you owe by type. REMINDERS THAT ARRIVE IN TIME Choose how far ahead you're reminded — on the day, or up to a week before. Reminders used to fire on the due date itself, which was often too late to be useful. Debts that repeat monthly can now be marked as such. ICLOUD SYNC, IF YOU WANT IT Optional and off by default. Turn it on to keep your debts in your own private iCloud across iPhone and iPad. Turning it off again leaves this device's copy untouched. EXPORT YOUR DATA Export everything to CSV from Settings — balances, rates, minimums, payment history. A PROPER WELCOME A short tour on first launch explains what the app does and lets you turn on reminders and iCloud up front, rather than being interrupted later.

Momentum comes from crawler snapshots for the tracked storefront. “Viral growth signal” means unusually fast recent rating gains; it is an indicator, not download data.

1. First observed Sep 7, 2026 · 10:43 AM Free