DebtClarity
Finance
Free · In‑App Purchases · Designed for iPad. Not verified for macOS.
DebtClarity helps you build a clearer plan for paying down debt without connecting to your bank.
Add credit cards, loans, Buy Now, Pay Later (BNPL) balances, medical debt, and other obligations manually. DebtClarity organizes your balances, APRs, minimum payments, and due dates so you can see where you stand and decide what to pay off next.
Included Free:
- Track debts, balances, APRs, minimum payments, and due dates
- Choose a snowball or avalanche payoff strategy
- Mark debts as shared or private for household planning
- Review payoff progress and upcoming payments
- Export your debt plan
- Sign in to securely back up your DebtClarity data
DebtClarity Premium (auto-renewing monthly or yearly subscription) includes:
- Payoff Forecast with your projected debt-free date
- Side-by-side Snowball vs. Avalanche comparisons
- What-if planner showing how extra payments affect your payoff timeline and total interest
- Payment due and debt-free milestone reminders
- Ad-free experience
The free version is supported by ads.
Subscription Information
Payment will be charged to your Apple Account at confirmation of purchase. Your subscription automatically renews unless it is canceled at least 24 hours before the end of the current billing period. You can manage or cancel your subscription at any time in your Apple Account Settings.
DebtClarity does not ask for your bank credentials and does not connect to your financial accounts. You stay in complete control of the information you enter.
DebtClarity provides budgeting and debt payoff calculations only. It does not provide financial, legal, tax, or investment advice.
Terms of Use (EULA):
https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Ratings & Reviews
Bug Fixes
The developer, Joshua Adkins, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
- Identifiers
- Usage Data
Data Linked to You
The following data may be collected and linked to your identity:
- Contact Info
- Identifiers
- Usage Data
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Joshua Adkins
- Size
- 28.7 MB
- Category
- Finance
- Compatibility
Requires iOS 18.6 or later.
- iPhone
Requires iOS 18.6 or later. - iPad
Requires iPadOS 18.6 or later. - Mac
Requires macOS 15.6 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 2.6 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- Contains
Advertising
- In-App Purchases
Yes
- DebtClarity+ Yearly $24.99
- DebtClarity+ Monthly $2.99
- Copyright
- © 2026 Jester Media