Technology has had a huge impact on how most people approach the financial aspects of their lives, and the benefits are undeniable. Put simply, smartphones and laptops take the guesswork out of debt management, especially when you have the right tools to work with. Today, apps are the name of the game, and they can be exceptionally powerful when properly approached.

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There are a number of apps that can help you to deal with whatever debts you may have in your name, many of which are so easy to use that they require little to no experience with financial software. Having the right debt payoff app on your side can make a world of difference, and it’s helpful to know that there are a few which set themselves apart from the pack.

The following are four of the best apps out there to help obliterate your debt, each of which is worth checking out.

1. Debt Payoff Planner

For those who prefer Android phones over Apple products, it’s difficult to find a better option for managing debt than Debt Payoff Planner by Adonis Apps. This is the perfect app for those who have a number of different debts they’re trying to pay off at once, as it allows users to embrace the “snowball method” for making payments in the most effective manner possible.

Debt Payoff Planner features an attractive user interface, helping to ensure that users have no issues navigating from one part of the app to another. You can track payments, analyze graphs that give you an overview of your current debts and export to Excel should you wish to interact with the data outside of the application.

While there is a lite version available, the app can be purchased for only $0.99, and it’s worth every penny for anyone who is trying to get a stronger handle on their finances.

2. Debt Free for iOS

Users of Apple’s iPhone and iPad will get a lot of mileage out of Debt Free for iOS. Developed by Mobile Innovations, Debt Free may look simple and easy to use, but this shouldn’t allow anyone to think that it is anything less than an extremely robust application.

Like Debt Payoff Planner, Debt Free utilizes the snowball method for handling numerous debts, helping users to create a plan that best suits their situation. When you log in to the app, you can access a summary of all of your debts (including analytics), and pie chart views that give you a visual sense of where you currently stand financially.

You have the option to export information in HTML format. Debt Free is also optimized for retina displays, which means you can expect a sharp, attractive interface if you have the right equipment on-hand. It also won’t break the bank, at $0.99.

3. Debt Payoff Pro

Whenever you take into consideration whether or not an app is worth downloading (especially if it costs money), it’s important to focus on a number of different criteria. Functionality, design and stability all fall under the umbrella of performance that makes for a great application, and Debt Payoff Pro by SVT Software is an excellent example of what happens when all of these things come together.

The hallmark of this application is the fact that it comes along with a number of different calculators, helping you to get an accurate understanding of payoff dates, mortgage/loan costs and more. You can also “lock” certain debts so that they can’t be erased or passed over, which is important for those who are trying to get organized while paying off their debt.

You can give Debt Payoff Lite a try for free, or simply jump in with the Pro version at $0.99.

4. Debt Strategy App

If you’re looking for an app that focuses mainly on the graphical analysis of your debts, Debt Strategy App is an excellent option to consider. Deep, customizable graphs set this app apart from the competition, making it easier to embrace the snowball method for handling debts for those who are more visually-inclined.

Unfortunately, Debt Strategy App doesn’t include any of the robust calculators found in apps like Debt Payoff Pro. Still, it’s a worthy addition to your toolkit and can be purchased for just $0.99.

There’s no getting around the fact that being in debt can come along with a great deal of challenges. More often than not, the most difficult part of dealing with debt is knowing where to start in the first place.

Debt management can be a tricky thing, especially for those who aren’t particularly well-versed in the finer points of maintaining financial health. Combine the technology you have at your fingertips to stay in control of your debt and to ensure that your everyday spending doesn’t get out of control — which is a big reason why you may be in debt in the first place.

Give one (or all) of the above apps a shot, and get on track to obliterate your debt!

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