If you’re looking for a free debt payoff planner app, these are the best financial apps to pay off debt faster by helping you stay on track and achieve your goals, even in situations where you thought it was never possible!
So, without further ado……
Debt Payoff Planner App Reviews
Tally
The Tally app is a fantastic tool for anyone struggling with credit card debt.
Tally simplifies the repayment process by giving you a low-interest loan to combine all your credit card payments into one.
Tally automatically pays off your credit cards, starting with the one that has the highest interest rate, which helps you save money on interest and avoid late fees. This automated system ensures that you never miss a payment, making it easier to manage your finances and get out of debt faster.
As one of the best financial apps to pay off debt fast, Tally means less stress and more control over your financial future.

Why Tally is Different and Who Should Get It
What Makes Tally Different:
- Automatic Debt Management: Tally helps you manage your credit card debt by offering a low-interest line of credit to consolidate all your payments. It automatically makes payments for you, starting with the highest-interest debt first. This unique feature makes Tally one of the best financial apps to pay off debt fast.
- Saves Money on Interest: By using Tally, you can reduce the amount of interest you pay on your credit card debts. The app helps you save money and pay off your debt faster.
Who Should Get Tally:
- People with Credit Card Debt: If you have multiple credit cards with high-interest rates, Tally can help you manage and pay off your debts more efficiently.
- Anyone Who Wants to Save on Interest: Tally helps you save money by reducing the interest you pay, making it easier to pay off your debt quickly.
- Those Who Like Automation: If you prefer a hands-off approach to managing your finances, Tally’s automatic payment system is perfect for you.
Tally gets an A+ as one of the best debt payoff apps of its kind. It really does simplify debt management by consolidating payments and reducing interest, helping you become debt-free more quickly and easily.
ChangEd
This app is awesome for students with loans!
It rounds up your purchases to the nearest dollar and uses the extra change to pay off your student loans. It’s a fun and easy way to reduce your debt without even noticing the extra payments.
Plus, it’s known as one of the best financial apps to pay off debt fast. Imagine paying off your loans just by buying stuff you already need – it’s like magic!

Why ChangeEd is Different and Who Should Get It
What Makes ChangeEd Different:
- Round-Up Feature: ChangeEd helps you pay off student loans by rounding up your everyday purchases to the nearest dollar and using the spare change to make extra payments on your loans.
- Automatic Savings: The app automatically saves small amounts of money from your purchases, making it easy to chip away at your student loans without even thinking about it.
- Progress Tracking: ChangeEd shows you how much you’ve saved and paid off, keeping you motivated and on track.
Who Should Get ChangeEd:
- Students and Graduates with Loans: If you have student loans, ChangeEd is perfect for helping you pay them off faster with spare change.
- Anyone Who Likes Simple Savings: If you want an easy way to save money without much effort, this app is great for you.
- Those Who Need Extra Motivation: ChangeEd tracks your progress and shows how much closer you are to being debt-free, which can keep you motivated.
ChangeEd is one of the best financial apps to pay off debt fast. It uses your spare change to make extra payments on your student loans, helping you reduce your debt quicker and with little effort.
Qoins
This app helps you pay off debt faster by rounding up your purchases to the nearest dollar and using the spare change.
It works for different types of debt, like credit cards, student loans, car loans, and mortgages. This way, you can pay off your debt quicker and save money on interest.

Why Qoins is Different and Who Should Get It
What Makes Qoins Different:
- Round-Up Feature: Qoins rounds up your purchases to the nearest dollar and uses the spare change to pay off your debt. This makes it easy to reduce your debt without feeling the pinch.
- Supports Multiple Debts: Qoins can help pay off different types of debt like credit cards, student loans, car loans, and mortgages. This flexibility sets it apart from other apps.
- Automated Extra Payments: The app allows for automated extra payments, ensuring you’re consistently making progress on paying down your balances.
Who Should Get Qoins:
- Anyone Looking for Ease of Use: If you want a hassle-free way to save and pay off debt, Qoins works in the background, making small but significant contributions to your debt payments.
- People Wanting to Save on Interest: Regular extra payments reduce your principal amount faster, saving you money on interest.
- Those Needing Motivation: Watching your debts decrease regularly can motivate you to stay on track with your financial goals.
Qoins is a debt payoff planner known for its unique features and ease of use. It helps you make steady progress on your debts almost effortlessly.
Bright Money
Bright Money is one of the best financial apps to pay off debt fast!
It makes managing your money easy by using smart technology to check your spending and debt.
Then, it helps you pay off what you owe in the best way possible by automatically moving money from your bank to your credit card balances. This means you won’t miss a payment and can save a lot on interest.
What makes Bright Money stand out is how it tackles credit card debt. It helps you combine all your high-interest credit card debts into one lower-interest loan, making it easier to handle.
Plus, it gives you personalized tips to improve your credit score and build savings. It’s like having a financial coach right on your phone, helping you become debt-free quickly!

Why Bright Money is Different and Who Should Get It
What Makes Bright Money Different:
- Smart Money Management: Bright Money uses smart technology to look at how you spend and where you owe money. This helps you pay off your debt in the best way possible and save money.
- Automatic Payments: The app moves money from your bank to your credit cards automatically. This helps you never miss a payment and pay less in interest.
- Personal Financial Tips: Bright Money gives you personal advice based on your money situation, helping you make better decisions.
Who Should Get Bright Money:
- People with Credit Card Debt: If you have credit card debt, Bright Money can help combine it into one lower-interest loan, making it easier to handle.
- Anyone Wanting Easy Debt Help: The app takes care of debt payments for you, making it simple to keep up with your finances.
- Those Needing Money Advice: Bright Money offers tips to improve your credit score and save money, like having a money coach on your phone.
Bright Money is an awesome debt payoff planner & tracker that uses smart tools and automation to help you manage and reduce your debts easily.
Qapital
This little magic app sets up automatic savings rules to pay off your debts and makes saving fun with unique challenges. One cool challenge is the “52-Week Challenge.” You start by saving $1 in week one, $2 in week two, and so on.
Before I did this Qapital review, I honestly had never even heard of them! But now that I have, you can bet I certainly won’t be forgetting them any time soon – they made this “best financial apps” list for a reason!
You will save over $1,300 a year without even noticing!
The Qapital app will ensure you never miss a payment, which is perfect for tackling student loans or other bills. It’s like having your own financial wizard that makes managing money easy and fun. With Qapital, you’ll be amazed at how quickly you can save and pay off debt asap!
Why Qapital is Different and Who Should Get It
What Makes Qapital Different:
- Round-Up Savings: Qapital helps you pay off debt by rounding up your purchases to the nearest dollar and using the extra change to pay off your loans. It’s an easy way to save money without even noticing.
- Savings Goals: You can set up specific savings goals, and Qapital will help you reach them by automatically saving small amounts of money from your everyday purchases.
- Custom Rules: The app lets you create custom savings rules, like saving a set amount of money whenever you buy coffee. This makes saving fun and personalized.
Who Should Get Qapital:
- Students with Loans: If you have student loans, Qapital can help you pay them off faster with spare change from your everyday purchases.
- Anyone Who Likes Easy Savings: If you want a simple way to save money without thinking about it, Qapital is perfect for you.
- Those Who Enjoy Personal Goals: The app is great for people who like setting and reaching personal savings goals in a fun and easy way.
Qapital makes saving money easy and helps you pay off debt quickly. With features like automatic round-ups on your purchases, you can effortlessly set aside extra money.
If you are someone who thinks about how to save money often, this app is for you. You will achieve your financial goals faster, and you can do it all without even noticing you’re saving.
Earnin
Earnin is a financial lifesaver!
This app lets you get cash from your paycheck before payday without charging any interest or fees. Earnin stands out from other financial apps because it offers cash advances without any interest or fees.
Most apps or payday loans come with high costs, but Earnin doesn’t charge anything extra. This unique feature helps you avoid debt and handle unexpected expenses easily.
It’s perfect for avoiding credit card debt during tough financial times. If you’re short on cash, Earnin helps you access your money early, making it easier to handle unexpected expenses.

Why Earnin is Different and Who Should Get It
What Makes Earnin Different:
- No Fees or Interest: Earnin lets you get money from your paycheck early without charging any fees or interest. This means you can access your money when you need it without extra costs.
- Cash Advances: The app allows you to take out small amounts of money before your payday, helping you avoid using credit cards and getting into more debt.
- Lightning Speed Option: With the Lightning Speed feature, you can get your money in minutes for a small fee, making it super-fast and convenient.
Who Should Get Earnin:
- People Needing Quick Cash: If you need money before payday to cover expenses, Earnin is a great option to get cash without interest or fees.
- Anyone Trying to Avoid Credit Card Debt: Earnin helps you avoid using credit cards for emergencies, making it easier to stay out of debt.
- Those Who Want Fast Access to Money: The Lightning Speed option is perfect for people who need money quickly, providing instant access to cash when needed.
Rated one of the best financial apps to pay off debt fast, there’s no doubt that Earnin is a favorite among free debt payoff planners.
Earnin provides a simple and fee-free way to access your paycheck early, helping you manage expenses without falling into debt.
Debt Payoff Planner
The Debt Payoff Planner app is a debt tracker app that will help you create a personalized plan to pay off your debts quickly, using either the debt snowball or debt avalanche method.
Enter all your debts and your monthly payment budget into this free debt app and watch how fast it calculates the most effective way to become debt-free based on your chosen method.
One of my personal favorites, The Debt Payoff Planner app will provide you a clear roadmap to track your progress, making it easier to stay focused and motivated!
For example:
The Debt Snowball Method:
You owe $500 on a credit card, $1,500 on a medical bill, and $10,000 on a student loan. You pay off the $500 first, then use that money to pay off the $1,500, and finally tackle the $10,000.
The Debt Avalanche Method:
You owe $1,000 at 20% interest, $3,000 at 15%, and $5,000 at 10%. You focus on paying off the $1,000 first because it has the highest interest rate, then move on to the $3,000, and finally the $5,000.
So, download the Debt Payoff Planner app and decide which method works best for you and you’ll see a clear path to becoming debt-free.

Why Debt Payoff Planner is Different and Who Should Get It
What Makes the Debt Payoff Planner Different:
- Personalized Plans: Debt Payoff Planner helps you make a custom plan to pay off your debts. You enter your debts and how much you can pay each month, and it creates a plan just for you.
- Two Payoff Methods: The app lets you choose between the debt snowball method (paying off the smallest debt first) and the debt avalanche method (paying off the highest interest debt first).
- Progress Tracking: Debt Payoff Planner shows you how long it will take to become debt-free and tracks your progress, keeping you motivated.
Who Should Get the Debt Payoff Planner:
- People with Multiple Debts: If you have different debts like credit cards, student loans, or car loans, this app can help you manage and pay them off.
- Anyone Needing a Clear Plan: If you want a clear and personalized plan to pay off your debts, Debt Payoff Planner is perfect for you.
- Those Who Like Seeing Progress: The app tracks your progress, showing how close you are to becoming debt-free, which can keep you motivated.
The Debt Payoff Planner is one of the best financial apps to pay off debt fast. It provides personalized plans and tracks your progress, making it easier to manage and reduce your debts quickly.