The Debt Payoff Planner is, by far, the best app we have seen for debt management. This app will create a detailed plan of action for tackling your debt and will provide you with a debt-free date based on the debt reduction strategy that you select. The app is available for both Android and iOS phones. Although you can create an account using a desktop, we highly recommend using the mobile version of the software for free accounts. If you prefer the flexibility of accessing your account on multiple devices, you can upgrade to the paid Pro account for only $24 a year. The Pro account comes with additional features making the app an even more enjoyable experience. 

Regardless of which account you choose, this app will serve as a wake-up call upon assessing your debt situation and will provide you with the necessary steps to permanently escape debt.