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Debt Organizer
What it is
Debt Organizer is an iPhone and iPad app for keeping track of debts, recurring bills, payments, and payoff plans in one monthly view. For credit cards and loans, it records balances, APRs, credit limits, minimum payments, payoff dates, and history. Bills can be organized by category and due date, with reminders and a paid status. A payment calendar brings debts and bills together, showing upcoming, completed, and remaining payments. Planning tools include a Paycheck Planner, an educational Credit Score Estimator, an Extra Payment Impact Calculator, and a comparison of Debt Snowball and Debt Avalanche approaches. Its Zyro assistant can summarize saved activity, explain payoff scenarios, and compare payment choices using saved records and tool results. Information is stored locally, with optional Apple-managed iCloud syncing for users signed in with Apple; the developer says it cannot access private financial data in the app. An optional privacy lock is available. The app is free and requires iOS 26.2 or iPadOS 26.2 or later; Mac compatibility requires macOS 26.2 or later and an Apple M1 chip or later.
For and against
For
- Tracks loan and card balances, APRs, limits, and payoff dates
- Combines bills and debts in a payment calendar
- Includes payoff calculators and strategy comparison
- Offers local storage and optional iCloud syncing
Against
- Requires iOS 26.2 or iPadOS 26.2 or later
- Mac use requires macOS 26.2 and Apple M1 or later
- Credit Score Estimator does not provide an official score
- Official account information should be verified with financial institutions
The verdict
Debt Organizer brings debt tracking, bills, and payoff planning into a single monthly view at no cost. Its estimates are for planning, so users should confirm account details with their financial institutions.
Who it suits
It suits people managing several cards, loans, recurring bills, or payoff goals who want a monthly overview. Its planning estimates are educational, not official credit scores or bureau models.
Plans and prices
Free
iPhone and iPad app; requires iOS 26.2 or later / iPadOS 26.2 or later
Read 7 Oct 2026 · apps.apple.com
On the record
- 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.apps.apple.com · read 7 Oct 2026
- 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.debtorganizerapp.com · read 7 Oct 2026
- 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.debtorganizerapp.com · read 7 Oct 2026
- Developer access
- The privacy policy says the developer does not have access to users’ private financial data stored in the app.debtorganizerapp.com · read 7 Oct 2026
- Estimate limits
- Financial tools provide educational estimates, and the Credit Estimator does not produce an official credit score or reproduce credit bureau models.debtorganizerapp.com · read 7 Oct 2026
- 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.debtorganizerapp.com · read 7 Oct 2026
- Maker
- The App Store identifies Damian Martinez as the developer and seller.apps.apple.com · read 7 Oct 2026
- Payment calendar
- The monthly payment tracker shows debts and bills together, including upcoming, completed, and remaining payments.debtorganizerapp.com · read 7 Oct 2026
- Payoff tools
- Financial Tools include a Paycheck Planner, educational Credit Score Estimator, Extra Payment Impact Calculator, and Debt Snowball vs Avalanche comparison.debtorganizerapp.com · read 7 Oct 2026
- Purpose
- Debt Organizer organizes debts, bills, payments, reminders, payoff progress, and planning tools around monthly financial obligations.debtorganizerapp.com · read 7 Oct 2026
- Security controls
- The app offers an optional privacy lock, and the policy recommends device passcodes or biometric security and keeping device software updated.debtorganizerapp.com · read 7 Oct 2026
- 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.debtorganizerapp.com · read 7 Oct 2026
- Support
- Users can contact support through the in-app Message Us feature or by emailing [email protected].debtorganizerapp.com · read 7 Oct 2026
- Zyro assistant
- Zyro can summarize activity, explain payoff scenarios, compare payment choices, and surface context from saved records and structured tool results.debtorganizerapp.com · read 7 Oct 2026
