4 Debt Management Apps to Track Your Spending

Managing money and tracking your spending can sometimes feel overwhelming, especially if you have multiple credit cards, overdraft and loans from different lenders. Without good organisation and management, you can easily find yourself in debt.

Luckily, with the use of open banking, we have debt management apps that help you organise and monitor your debt repayments in a centralised and intuitive way.

What Does a Debt Management App Do?

The primary objectives of a debt management app are to help you aggregate your debt and keep track of your spending. Many apps connect securely to your current accounts, credit cards, loans, and savings using open banking. This provides a comprehensive overview of your entire financial picture.

4 Debt Management Apps

1.      Emma

Emma is a credit builder and money management app that enables you to control your financial spending and manage your debts effectively. It connects to your bank accounts, credit cards, and investment platforms, consolidating all that data into one easy-to-use interface. The app is available in the UK, US, and Canada, and offers both free and premium plans.

Pros of Emma

One of the main advantages of using Emma is how it simplifies the financial management process. Instead of switching between different banking apps or trying to track spending manually, Emma brings all your financial information into a single dashboard. It automatically categorises transactions, flags wasteful subscriptions, and helps you set spending limits to avoid going over budget.

Cons of Emma

One common drawback is that the free version can be quite limited, driving users toward the paid plans to access more helpful features.

2.      Snoop

Snoop is a UK-based personal finance assistant that scans your linked bank and card accounts through Open Banking to analyse spending habits, flag upcoming bills, suggest switching providers, and deliver personalised money-saving prompts.

It comes in two plans: the free version, which offers core features like spending categorisation, balance updates, budget setting, bill reminders, and basic insights. And a premium paid plan which unlocks advanced tools such as unlimited custom categories, payday‑to‑payday tracking, net worth tracking, and more expansive analytics.

3.      Debt Payoff Planner

Debt Payoff Planner takes a specialised approach. It’s an independent app, available on iOS and Android, designed entirely around debt management and reduction. It lets you manually enter debts and custom repayment strategies. It comes in two versions: the free and paid versions.

The drawback, however, is that you must update the app manually with your payments; there’s no account integration, so it depends on your diligence.

4.      SuperFi

SuperFi is a fintech app based in London that centres on bill management and early intervention for those at risk of falling behind on payments. It securely connects your accounts via Open Banking to monitor regular bills, credit commitments, and BNPL obligations. Its notable feature is its use of TrueLayer’s Variable Recurring Payments (VRPs)—this allows automated repayment transfers, round-ups to pay off credit cards, and smoother fund movement to avoid overdrafts or missed payments.

Debt management apps have become essential tools for individuals looking to regain control of their finances, offering a range of features from budgeting and repayment planning to automated tracking and support services. While some apps like Debt Payoff Planner focus purely on strategy and motivation, others like SuperFi combine technology with social impact by offering bill tracking, benefit checks, and payment automation for those at risk of falling behind. Snoop blends budgeting with banking insights or money-saving recommendations, making them useful for those who want broader financial visibility alongside debt management. Ultimately, the best app depends on your specific needs—whether that’s automation, manual control, guidance, or support—and choosing the right one can make a significant difference in achieving long-term financial stability.