Skip to content
SPECIFICTION
Get listed

Debt Organizer

debtorganizerapp.com

Free plan macOSiOS
Visit debtorganizerapp.com
Spec score 7.8 #13 of 23 in Debt Management Software

What it is

Debt Organizer is a free app for keeping debts, recurring bills, payments, reminders, and payoff plans in one monthly view. It tracks cards and loans with balances, APRs, credit limits, minimum payments, payoff dates, and history. Recurring bills can be categorized and followed by due date, reminder, and paid status, while a calendar brings upcoming, completed, and remaining payments together. Planning tools include a Paycheck Planner, an Extra Payment Impact Calculator, and a comparison of Debt Snowball and Debt Avalanche approaches. Its Credit Score Estimator is educational, not an official score or a recreation of credit bureau models. Zyro can summarize activity, explain payoff scenarios, and compare payment choices using saved information. Data stays on the device, with optional Apple-managed iCloud syncing for users signed in with Apple; the developer says it cannot access private financial data in the app. The app supports iPhone and iPad with iOS 26.2 or later or iPadOS 26.2 or later. Mac compatibility is listed for macOS 26.2 or later on Apple M1 or later.

Spec sheet

Purpose
Debt Organizer organizes debts, bills, payments, reminders, payoff progress, and planning tools around monthly financial obligations.Read 7 Oct 2026 · debtorganizerapp.com
Intended users
The maker describes the app as intended for people managing several cards, loans, recurring bills, or payoff goals who want a clear monthly view.Read 7 Oct 2026 · debtorganizerapp.com
Support
Users can contact support through the in-app Message Us feature or by emailing [email protected].Read 7 Oct 2026 · debtorganizerapp.com
Maker
The App Store identifies Damian Martinez as the developer and seller.Read 7 Oct 2026 · apps.apple.com
Apple compatibility
The App Store listing says the app supports iPhone and iPad and lists Mac compatibility for macOS 26.2 or later on an Apple M1 chip or later.Read 7 Oct 2026 · apps.apple.com
Bank connection
The FAQ says the app is organized around information saved for planning and review and directs users to verify official account information with their financial institutions.Read 7 Oct 2026 · debtorganizerapp.com
Debt and bill tracking
Users can track credit cards and loans with balances, APRs, credit limits, minimum payments, payoff dates, and history, and keep recurring bills with categories, due dates, reminders, and paid status.Read 7 Oct 2026 · debtorganizerapp.com
Developer access
The privacy policy says the developer does not have access to users’ private financial data stored in the app.Read 7 Oct 2026 · debtorganizerapp.com
Estimate limits
Financial tools provide educational estimates, and the Credit Estimator does not produce an official credit score or reproduce credit bureau models.Read 7 Oct 2026 · debtorganizerapp.com
Payment calendar
The monthly payment tracker shows debts and bills together, including upcoming, completed, and remaining payments.Read 7 Oct 2026 · debtorganizerapp.com
Payoff tools
Financial Tools include a Paycheck Planner, educational Credit Score Estimator, Extra Payment Impact Calculator, and Debt Snowball vs Avalanche comparison.Read 7 Oct 2026 · debtorganizerapp.com
Security controls
The app offers an optional privacy lock, and the policy recommends device passcodes or biometric security and keeping device software updated.Read 7 Oct 2026 · debtorganizerapp.com
Storage and sync
The privacy policy says app information is stored locally on the device, with optional syncing through Apple-managed iCloud services when users sign in with Apple.Read 7 Oct 2026 · debtorganizerapp.com
Zyro assistant
Zyro can summarize activity, explain payoff scenarios, compare payment choices, and surface context from saved records and structured tool results.Read 7 Oct 2026 · debtorganizerapp.com

Plans and prices

Free Free Free iPhone and iPad app; requires iOS 26.2 or later / iPadOS 26.2 or later Read 7 Oct 2026 · apps.apple.com

Every Debt Organizer plan and price →

Strong points and limits

Strong points

  • Tracks balances, APRs, limits, and payment history.
  • Calendar combines debt and bill payments.
  • Includes payoff calculators and strategy comparison.
  • Optional iCloud syncing and privacy lock.
  • Free for iPhone and iPad.

Limits

  • Requires iOS 26.2 or later, or iPadOS 26.2 or later.
  • Mac compatibility requires macOS 26.2 and Apple M1 or later.
  • Credit estimator is not an official score.

Who it suits

It suits people managing multiple cards, loans, bills, or payoff goals who want a monthly overview. Its planning tools may help users compare payment approaches, while estimates should not be treated as official credit scores.

Verdict

Debt Organizer combines detailed debt and bill tracking with several payoff planning tools. Its financial estimates are educational, and Apple device requirements are specific.

Where Specifiction places it

Alternatives to Debt OrganizerAll alternatives →