Debt Tracker by UnDebt2.2.0 - App Store

Debt Tracker turns "I think I owe about..." into an exact number, a date, and a plan to get there.

Add what you owe, from credit cards and student loans to car finance or the money you borrowed off your sister, and see the whole picture on one screen: your total, what you're owed back, what interest costs you each day, and the date you'll be debt-free.

A PLAN THAT TELLS YOU WHAT TO PAY
Enter each debt's balance, rate and minimum payment, pick a strategy and a monthly budget, and Debt Tracker builds your plan: exactly what to pay on each debt, every month, until you're free.

SIX STRATEGIES, COMPARED ON YOUR NUMBERS
Snowball for quick wins. Avalanche for the lowest interest. Consolidation for one simple payment. Plus Highest Interest Cost, Cash Flow, or your own order. See which clears your debt soonest and cheapest, then make it your plan.

WHAT IF
Try a raise, a bonus or a tax refund and watch your debt-free date move.

WATCH THE BALANCE FALL
The Progress tab charts your balance against your plan and tells you when you're ahead. Streaks and badges mark the way.

LOG A PAYMENT IN SECONDS
Your minimum is already filled in, so logging a payment is one tap. Made a mistake? Undo it, or delete it from your payment history.

NEVER MISS A DUE DATE
Get reminded before each due date, so late fees don't undo your work. A calendar shows what's due this month and what's already paid.

WIDGETS AND SIRI
See your balance and next due date on your Home Screen and Lock Screen. Ask Siri how much you owe, or log a payment without opening the app.

MONEY YOU'VE LENT, TOO
Debt Tracker keeps track of what friends and family owe you alongside what you owe, so your net position is honest.

EVERY DETAIL IN ONE PLACE
Tag each debt as a credit card, student loan, mortgage, car loan, medical, tax or personal loan. Add the lender, account reference, contact and notes. Track credit limits, 0% promotional rates and rate changes coming up. Group debts into categories that make sense to you.

PRIVATE BY DESIGN
No account. No sign-up. No bank logins. Your debts stay on your device unless you choose otherwise. Lock the app with Face ID, and turn on iCloud sync to use it on iPhone and iPad, in your own private iCloud, never on our servers. Import from a spreadsheet or export to CSV any time.

ANY CURRENCY, ANY LANGUAGE
Every world currency, 28 languages, Dark Mode and Dynamic Type.

FREE TO START
Track up to 5 debts with your debt-free date, reminders, payment logging, streaks and badges, the calendar, a Home Screen widget, sharing and export, free.

DEBT TRACKER PRO
A subscription unlocks:
. Unlimited debts and categories
. Your payoff plan: strategy comparison, month-by-month payments, payoff dates and What If
. Debt Coach, a private on-device AI you can ask about your debts (requires a supported device; written guides are free for everyone)
. Balance history against your plan
. Lock Screen and larger widgets, and logging from a reminder, widget or Siri
. Face ID lock and iCloud sync
. CSV import and future rate changes

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 History Know your net worth
A new net worth tab shows the bigger picture. Add your savings, pension, home or car to see what you own against what you owe, and how much paying down debt has added to your net worth. With PRO, see how it’s changed over time and what moved it.

Also new
• Subcategories (PRO): group debts inside a category, such as each card under “Credit cards”.
• Add a debt straight from Overview, right next to Log a payment.
• A new Explore section on Overview takes you to Progress, Plan, Debts and Net worth in a tap.
• Each debt now shows how much of it you’ve paid off.
• A debt’s name stays at the top as you scroll through its history.

Fixes
• Switching tabs could leave the screen’s title hidden behind the PRO badge. 2.2.0 1d ago A smoother, more responsive Debt Tracker. This update is all about how the app feels in your hand.

Thank you for using Debt Tracker. If something isn't right, get in touch from Settings — it's read by the person who built it. 2.1.0 2d ago A smoother, more responsive Debt Tracker. This update is all about how the app feels in your hand.

Thank you for using Debt Tracker. If something isn't right, get in touch from Settings — it's read by the person who built it. 2.0.9 3d ago A smoother, more responsive Debt Tracker. This update is all about how the app feels in your hand.

Thank you for using Debt Tracker. If something isn't right, get in touch from Settings — it's read by the person who built it. 2.0.8 4d ago A smoother, more responsive Debt Tracker. This update is all about how the app feels in your hand.

Thank you for using Debt Tracker. If something isn't right, get in touch from Settings — it's read by the person who built it. 2.0.7 6d ago A smoother, more responsive Debt Tracker. This update is all about how the app feels in your hand.

Thank you for using Debt Tracker. If something isn't right, get in touch from Settings — it's read by the person who built it. 2.0.6 Oct 5 A smoother, more responsive Debt Tracker. This update is all about how the app feels in your hand.

A NEW TAB BAR
The tab bar now floats above your debts. The tab you're on shows its name, and the highlight glides across as you switch, with a light tap you can feel.

SCREENS THAT OPEN FROM WHERE YOU TAPPED
On iOS 18 and later, tapping a category, a plan tool, a guide or a payoff date grows the next screen out of the card you touched. Going back shrinks it home again.

NUMBERS THAT MOVE
Balances and totals roll to their new value when they change, and progress bars fill as you arrive. You see your progress happen instead of just reading it.

MORE RESPONSIVE EVERYWHERE
• Cards and buttons press in when you touch them
• Screens settle into place section by section as they open
• A tap you can feel when you add or delete a category or a debt
• Smoother "I owe this / I'm owed this" and loan type pickers
• Deleted items shrink away instead of vanishing

If you have Reduce Motion turned on, all of this becomes simple fades.

Thank you for using Debt Tracker. If something isn't right, get in touch from Settings — it's read by the person who built it. 2.0.5 Sep 29 Debt Tracker now speaks your language, and counts in your money.

NOW IN 28 MORE LANGUAGES
The whole app has been translated into Arabic, Chinese (Simplified
and Traditional), Czech, Danish, Dutch, Finnish, French, German,
Greek, Hebrew, Hindi, Hungarian, Indonesian, Italian, Japanese,
Korean, Norwegian, Polish, Portuguese, Romanian, Russian, Spanish,
Swedish, Thai, Turkish, Ukrainian and Vietnamese, including full
right-to-left layouts for Arabic and Hebrew.

EVERY WORLD CURRENCY
Choose from every currency in circulation, not a shortlist. Debt
Tracker now picks yours automatically from your region the first
time you open it, and changing it is never more than a tap away:
there's a currency button on every screen, and you can search by
name, code or symbol.

Amounts are formatted the way your country writes them too, so
yen, won and forint no longer show decimals they don't use. 2.0.4 Sep 28 Debt Tracker now speaks your language, and counts in your money.

NOW IN 28 MORE LANGUAGES
The whole app has been translated into Arabic, Chinese (Simplified
and Traditional), Czech, Danish, Dutch, Finnish, French, German,
Greek, Hebrew, Hindi, Hungarian, Indonesian, Italian, Japanese,
Korean, Norwegian, Polish, Portuguese, Romanian, Russian, Spanish,
Swedish, Thai, Turkish, Ukrainian and Vietnamese, including full
right-to-left layouts for Arabic and Hebrew.

EVERY WORLD CURRENCY
Choose from every currency in circulation, not a shortlist. Debt
Tracker now picks yours automatically from your region the first
time you open it, and changing it is never more than a tap away:
there's a currency button on every screen, and you can search by
name, code or symbol.

Amounts are formatted the way your country writes them too, so
yen, won and forint no longer show decimals they don't use. 2.0.3 Sep 26 Debt Tracker now speaks your language, and counts in your money.

NOW IN 28 MORE LANGUAGES
The whole app has been translated into Arabic, Chinese (Simplified
and Traditional), Czech, Danish, Dutch, Finnish, French, German,
Greek, Hebrew, Hindi, Hungarian, Indonesian, Italian, Japanese,
Korean, Norwegian, Polish, Portuguese, Romanian, Russian, Spanish,
Swedish, Thai, Turkish, Ukrainian and Vietnamese, including full
right-to-left layouts for Arabic and Hebrew.

EVERY WORLD CURRENCY
Choose from every currency in circulation, not a shortlist. Debt
Tracker now picks yours automatically from your region the first
time you open it, and changing it is never more than a tap away:
there's a currency button on every screen, and you can search by
name, code or symbol.

Amounts are formatted the way your country writes them too, so
yen, won and forint no longer show decimals they don't use. 2.0.2 Sep 15 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. 2.0.1 Sep 3 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. 2.0.0 Aug 30 We’ve been working behind the scenes to make your debt management experience smoother, faster, and more reliable. In this update, we have added support for dark mode, enjoy the app in the way that fits you!

Thank you for using Debt Tracker—we’re committed to helping you manage your finances smarter every day. Stay tuned for more features and improvements coming soon! 1.0.15 11/20/2025 We’ve been working behind the scenes to make your debt management experience smoother, faster, and more reliable. In this update, we have added support for dark mode, enjoy the app in the way that fits you!

Thank you for using Debt Tracker—we’re committed to helping you manage your finances smarter every day. Stay tuned for more features and improvements coming soon! 1.0.14 08/28/2025 We’ve been working behind the scenes to make your debt management experience smoother, faster, and more reliable. In this update, we have added support for dark mode, enjoy the app in the way that fits you!

Thank you for using Debt Tracker—we’re committed to helping you manage your finances smarter every day. Stay tuned for more features and improvements coming soon! 1.0.13 06/15/2025 We’ve been working behind the scenes to make your debt management experience smoother, faster, and more reliable. In this update, we have added support for dark mode, enjoy the app in the way that fits you!

Thank you for using Debt Tracker—we’re committed to helping you manage your finances smarter every day. Stay tuned for more features and improvements coming soon! 1.0.12 06/06/2025 We’ve been working behind the scenes to make your debt management experience smoother, faster, and more reliable. In this update, we have added support for dark mode, enjoy the app in the way that fits you!

Thank you for using Debt Tracker—we’re committed to helping you manage your finances smarter every day. Stay tuned for more features and improvements coming soon! 1.0.11 05/19/2025 We’ve been working behind the scenes to make your debt management experience smoother, faster, and more reliable. In this update, we have added support for dark mode, enjoy the app in the way that fits you!

Thank you for using Debt Tracker—we’re committed to helping you manage your finances smarter every day. Stay tuned for more features and improvements coming soon! 1.0.10 05/13/2025 We’ve been working behind the scenes to make your debt management experience smoother, faster, and more reliable. In this update, we have added support for dark mode, enjoy the app in the way that fits you!

Thank you for using Debt Tracker—we’re committed to helping you manage your finances smarter every day. Stay tuned for more features and improvements coming soon! 1.0.9 05/12/2025 We’ve been working behind the scenes to make your debt management experience smoother, faster, and more reliable. In this update, we have added support for dark mode, enjoy the app in the way that fits you!

Thank you for using Debt Tracker—we’re committed to helping you manage your finances smarter every day. Stay tuned for more features and improvements coming soon! 1.0.8 04/29/2025 We’ve been working behind the scenes to make your debt management experience smoother, faster, and more reliable. In this update, we focused on squashing bugs and fine-tuning the app to help you take control of your finances with even greater ease.

Thank you for using Debt Tracker—we’re committed to helping you manage your finances smarter every day. Stay tuned for more features and improvements coming soon! 1.0.7 04/24/2025 We’ve been working behind the scenes to make your debt management experience smoother, faster, and more reliable. In this update, we focused on squashing bugs and fine-tuning the app to help you take control of your finances with even greater ease.

Thank you for using Debt Tracker—we’re committed to helping you manage your finances smarter every day. Stay tuned for more features and improvements coming soon! 1.0.6 04/23/2025 Managing your debts just got even smoother! You asked we listened, there are significant performance improvements in this update! 1.0.5 04/22/2025 Managing your debts just got even smoother! You asked we listened, there are significant performance improvements in this update! 1.0.4 04/19/2025 Managing your debts just got even smoother! You asked we listened, choose your own currency in the app to keep on top of your debts. 1.0.3 04/15/2025