Debt Tracker by UnDebt

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 c