Debt Manager
v1.8Individuals and small business owners looking to systematically eliminate debt, track loans, and manage IOUs through structured financial planning.
What Is Debt Manager?
Launched Dec 8, 2011
Updated Jan 2026
What users think iIndependent intel reports to help builders create better apps or enhance existing ones. Still in beta, accuracy and relevancy get better every day. For informational purposes only.
What does it look like?
What are the key features?
Automated implementation of the debt snowball method to prioritize and pay off multiple debts efficiently.
Allows users to simulate changes in interest rates or monthly payment amounts to forecast financial outcomes.
Generates professional PDF/HTML reports including amortization schedules and interactive debt breakdown charts.
Record and organize unlimited debts, including introductory rates and partial payments.
Notifications for upcoming or overdue payments to ensure consistent progress.
Includes passcode protection and cloud backup/restore functionality via Dropbox.
What do users think? iIndependent intel reports to help builders create better apps or enhance existing ones. Still in beta, accuracy and relevancy get better every day. For informational purposes only.
“Recent user voice shows a mixed sentiment. Users appreciate effective debt management and ease of use, but report intrusive advertising and technical bugs and stability.”
What Users Love
Helped me redo my budget and help me pay of my student loans
Best app I have ever come across in terms of managing debt
Super easy to set up and very intuitive
Easy to use and simple but excellent in monitoring debts and credits
Pain Points
It hurts in mye eye that everytime I create a tracker ans save it pops up ads
Extremely annoying repeatative ads
Keeps getting an error when saving transactions
App just stopped working and doesn't open anymore
High confidence · 99 reviews available
How is it ranked?
| Chart | Rank | Change |
|---|---|---|
| Paid | #9 | ▲6 |
What are the pros and cons?
Pros
- Proven Snowball methodology implementation
- Advanced 'What-If' scenario modeling
- Professional PDF/HTML reporting capabilities
- Strong iOS chart ranking (#15 Paid Finance)
Cons
- Aggressive and intrusive ads on Android
- Technical bugs in transaction saving
- Forced account creation and online requirement
- Lack of social media presence
What is the market outlook?
Growth Opportunities
- Gamification of debt milestones to increase retention
- Introduction of an offline-first mode for privacy
- Expansion of AI features to the iOS platform
Market Threats
- AI-automated debt payoff apps (Bright Money)
- Gamified financial apps (Debbie)
- Feature expansion from major budgeting apps (YNAB, EveryDollar)
Who competes with Debt Manager?
The Nemesis
Why it's a threat
- +
Users are happier — sentiment 62/100 vs 55
- +
Higher rated at 4.7★ vs 4.4★
Contenders
Tally :)
Lemonskin
A high-tech alternative that automates credit card debt payoff, targeting the same user pain points with a service-based approach.
A high-tech alternative that automates credit card debt payoff, targeting the same user pain points with a service-based approach.
Peers
EveryDollar: Budget Management
The Lampo Group Incorporated
The official app of the Debt Snowball method's most famous proponent, Dave Ramsey, though it includes broader budgeting.
The official app of the Debt Snowball method's most famous proponent, Dave Ramsey, though it includes broader budgeting.
PocketGuard – Budgeting App
PocketGuard, Inc.
Includes a specialized 'Debt Payoff Plan' feature within its broader financial management ecosystem.
Includes a specialized 'Debt Payoff Plan' feature within its broader financial management ecosystem.
New Kids on the Block
Debbie - Payoff, Save, Earn
Debbie Inc
A rising threat that gamifies debt payoff by offering cash rewards for hitting financial milestones.
A rising threat that gamifies debt payoff by offering cash rewards for hitting financial milestones.
What are the key takeaways?
Debt Manager is a divisive finance app that is free with in-app purchases. With a 4.4/5 rating from 796 reviews, it receives mixed feedback from users. Users particularly appreciate effective debt management, though intrusive advertising remains a common concern.
Best for: Individuals and small business owners looking to systematically eliminate debt, track loans, and manage IOUs through structured financial planning.
How much does it cost?
Model: freemium
The developer utilizes a split strategy: a low-cost upfront purchase on iOS and a free, ad-supported or feature-gated model on Android to maximize reach.
iOS Version
1.8
Android Version
4.4.1
Release Date
Dec 8, 2011
iOS Price
$0.99
Android Price
Free
Developer
MH Riley Ltd