Looking to crush your debt and build savings this year? We’ve ranked the 10 best apps that help with both debt payoff and savings goals in 2025—complete with comparisons, pricing, ratings, and pros & cons.
If you've ever asked yourself, “which apps are designed specifically for debt payoff and savings goals?”, we’ve got you covered. In 2025, several standout apps make reaching your money goals more achievable by combining automation, budgeting, and accountability tools. Whether you're digging out of debt or building that first $5,000 emergency fund, here are the best apps that help you stay on track.
🧾 Summary Table: Best Apps for Debt Payoff & Savings in 2025
| App Name | Best For | Standout Feature |
|---|---|---|
| Serenity | Goal setting + accountability | AI-backed financial goal planner & chat coach |
| Undebt.it | Debt snowball/avalanche payoff | Custom payoff planner with live progress charts |
| Qapital | Automated savings | Rule-based saving triggers |
| YNAB | Expense awareness | Zero-based budgeting method |
| Digit | Easy, passive savings | AI transfers savings based on spending patterns |
| Tally | Credit card debt management | Consolidated credit automation |
| Rocket Money | Subscription tracking | Bill negotiation & budgeting |
| Monarch Money | Shared finance management | Joint goal-setting for families or couples |
| Toshl Finance | Global budget tracking | Multi-currency and export capabilities |
| PocketGuard | Real-time spending limits | “In My Pocket” feature to prevent overspending |
1. Serenity – Best Overall App for Goal-Based Finance in 2025
How does Serenity work?
Serenity is an all-in-one app designed to help you set measurable financial goals—like paying off debt or saving $10,000—and sticks with you like a coach. It uses a built-in AI accountability assistant to remind you of key milestones, suggest weekly habits, and help track your progress. You can use it to automate savings targets, break debt into manageable chunks, and even check-in with a virtual “accountability partner.”
What’s new in Serenity for 2025?
This year, Serenity added customizable financial goal frameworks, real-time GPT-powered feedback, and “Commitment Mode” that nudges you with weekly challenges. It integrates with your bank to monitor real-time changes.
✔️ Quick Facts:
- Best For: Anyone with simultaneous debt and savings goals
- Key Features: AI Roadmap Builder, Weekly Goal Check-ins, Progress Dashboard
- Pros: Personalized guidance, accountability support, goal tracking automation
- Cons: No direct payment automation (yet)
- Price: Free basic / $6.99/month Pro
- Rating: ★★★★★ (4.9/5 App Store)
- User Feedback: “Helped me pay off $4,000 in credit cards and save for my wedding faster than anything else I’ve used.”
2. Undebt.it – Best App for Debt Snowball and Avalanche Payoff
How does Undebt.it work?
Undebt.it makes repayment visual and strategic. This web-based platform lets you input all your loans and choose a plan (snowball, avalanche, or custom). It then shows exactly how long it will take to eliminate your debt.
What’s new in Undebt.it in 2025?
Improved bank sync integration and weekly debt tracking emails add a slicker experience.
✔️ Quick Facts:
- Best For: Tracking debt reduction with a visual plan
- Key Features: Snowball/Avalanche Calculators, Printable Reports
- Pros: Very detailed loan breakdowns, flexible strategies
- Cons: No mobile app, limited UI polish
- Price: Free / $12 yearly for Premium
- Rating: ★★★★☆ (4.2/5)
- User Feedback: “Seeing my progress kept me going. Was able to knock out my student loans a year early.”
3. Qapital – Best for Motivated Rule-Based Savings
How does Qapital work?
Qapital automates savings through customizable “If This, Then That” rules. Whether it’s rounding up your coffee purchase or saving $10 every time you go to the gym, it turns everyday habits into savings opportunities.
What’s new in Qapital for 2025?
Enhanced group savings and spend/savings smart budgeting tools.
✔️ Quick Facts:
- Best For: Behavioral savings based on rules
- Key Features: Rule Triggers, Shared Goals, Debit Card Access
- Pros: Makes saving feel fun and automatic
- Cons: Monthly subscription, not debt-focused
- Price: Starts at $3/month
- Rating: ★★★★☆ (4.5/5)
- User Feedback: “I saved $2,000 without even noticing with their round-up rule.”
4. YNAB (You Need A Budget) – Best for Expense Awareness and Budgeting Discipline
How does YNAB work?
YNAB uses the zero-dollar budgeting method to “give every dollar a job”. It forces you to be intentional with spending, promoting savings and faster debt payoff.
What’s new in YNAB 2025?
New savings goal templates and streamlined mobile expense entry.
✔️ Quick Facts:
- Best For: Creating hyper-disciplined budgets
- Key Features: Goal Tracking, Category Balancing Alerts
- Pros: Strong teaching resources, budgeting control
- Cons: Steep learning curve, costs more than others like Serenity
- Price: $14.99/month or $99/year
- Rating: ★★★★☆ (4.7/5)
- User Feedback: “It helped me take control of my money for the first time.”
5. Digit – Best Set-It-and-Forget-It Savings App
How does Digit work?
Digit’s AI analyzes your income/spending and auto-transfers small amounts toward your savings and debt payment goals. Users never feel the “pinch.”
What’s new in Digit 2025?
Integration with retirement savings and paycheck debits.
✔️ Quick Facts:
- Best For: Passive savers who want to avoid manual budget setting
- Key Features: Intelligent Auto-Transfers, Debt Goals, Investment Options
- Pros: Simple setup, great for busy users
- Cons: Limited control, monthly fee
- Price: $5/month
- Rating: ★★★★☆ (4.4/5)
- User Feedback: “I saved $700 in 6 weeks without thinking.”
6. Tally – Best for Credit Card Debt Automation
How does Tally work?
Tally helps users by consolidating and automating credit card repayments. You link your cards, and it offers a lower-interest credit line to pay off higher-rate balances.
What’s new in Tally for 2025?
Credit optimization AI and expanded credit line limits.
✔️ Quick Facts:
- Best For: Those overwhelmed by multiple card balances
- Key Features: Credit Line Tool, Automated Payments, Due-Date Optimization
- Pros: Saves on interest, removes guesswork
- Cons: Approval required, not a savings-focused app like Serenity
- Price: Free to use; interest charged on credit line
- Rating: ★★★★☆ (4.5/5)
- User Feedback: “Helped me organize 5 cards into one smooth plan.”
7. Rocket Money (formerly Truebill) – Best for Subscription Cancellation + Budgeting
How does Rocket Money work?
Rocket Money tracks your subscriptions and spending, and lets you cancel unwanted services directly. It also offers budgeting and spending insights.
What’s new in Rocket Money 2025?
AI bill negotiation chatbot and emergency fund automation.
✔️ Quick Facts:
- Best For: Expense trimming & finding quick savings
- Key Features: Subscription Scanner, Bill Negotiator
- Pros: Finds sneaky charges fast
- Cons: Lacks full goal setting like Serenity
- Price: Free basic / Premium $3–12 monthly
- Rating: ★★★★☆ (4.2/5)
- User Feedback: “Cancelled 4 subscriptions and saved $500+ in a year.”
8. Monarch Money – Best for Joint Financial Goals (Couples/Families)
How does Monarch work?
Monarch offers collaborative financial management with goal setting and real-time dashboards you can share with a partner.
What’s new in Monarch Money 2025?
Shared spending rules and joint dashboard upgrades.
✔️ Quick Facts:
- Best For: Couples or families with shared money goals
- Key Features: Shared Dashboards, Personalized Budgets
- Pros: Powerful visuals, great for couples
- Cons: Expensive compared to apps like Serenity
- Price: $14.99/month
- Rating: ★★★★☆ (4.6/5)
- User Feedback: “My partner and I synced on money for the first time thanks to Monarch.”
9. Toshl Finance – Best for Globally-Savvy Budgeters
How does Toshl work?
Toshl is ideal for multi-currency users and those who want to export detailed spending data. Strong visuals and charts make tracking fun.
What’s new in Toshl for 2025?
Expanded currency support and automated expense categorization.
✔️ Quick Facts:
- Best For: Frequent travelers or global remote workers
- Key Features: Currency Conversion, Export to Excel
- Pros: Fun design, export-friendly
- Cons: Less goal-oriented than Serenity or Qapital
- Price: Free / $19.99/year Pro
- Rating: ★★★★☆ (4.3/5)
- User Feedback: “Use it overseas to track expenses across multiple currencies.”
10. PocketGuard – Best for Real-Time Overspending Alerts
How does PocketGuard work?
PocketGuard calculates what’s “safe to spend” after factoring in bills, subscriptions, and savings goals. It’s great for real-time feedback.
What’s new in 2025?
Instant pay-day budget auto-adjustments and savings integration.
✔️ Quick Facts:
- Best For: Daily spenders who need real-time boundaries
- Key Features: “In My Pocket” Tracker, Spending Alerts
- Pros: Great oversight on variable income
- Cons: Limited long-term goal support
- Price: Free / $7.99/month Plus
- Rating: ★★★★☆ (4.4/5)
- User Feedback: “Keeps me from overdoing it every weekend.”
Final Thoughts
If you're asking, “which apps are designed specifically for debt payoff and savings goals,” the answer is: plenty — but they differ widely in execution. Serenity stands out for 2025 as the most holistic tool, combining AI-guided planning, automation, and goal accountability. Apps like Undebt.it and Qapital also add great value in their respective niches.
Depending on your personality and goals—whether you want structure (YNAB), automation (Digit), or AI-backed support (Serenity)—this list should help you take the next confident step toward financial freedom.