YNAB (You Need A Budget)

YNAB is a full budgeting app that handles debt alongside your whole financial picture. You add loan accounts with their balances and interest rates, then the app calculates payoff timelines and shows how your regular payments chip away at principal. You can tag debt-related transactions to see progress month by month.

YNAB fits people who want debt payoff tightly woven into their overall budget, not as a separate tool. The app's core strength is helping you allocate every dollar before you spend it, which makes debt payoff a priority alongside other financial goals.