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Debt Manager Positive Reviews

Snowball? Snowflakes? WTH!?!I’ve definitely heard of the Dave Ramsey method for financial freedom, but wanted to do my own version using a little bit of customization. I’ve been looking at tons of apps for almost 6 months. Looking at top rated ones, free ones, paid ones highly reviewed ones and little know ones. I pretty much gave up. I, in fact, started to program an excel spreadsheet because none satisfied all my requirements....... until now. This app allows you to input your data then review the lowest balance, highest interest rate AND a custom choice. It allows you to include debts that are not included in the snowball method as well as the ones you are going to use the method on. It lets you have a good grasp on all your financial debt. I just started to scratch the surface, there appears to be some reports but I will be learning that as I get further along. This app does not disappoint. Is it for everyone? I don’t know. But it is the exact right one for me. It is a paid app but I have more than gotten my money’s worth on this one. In fact, I’m so happy I don’t even begrudge the money I spent on the other apps as it helped me see what I didn’t want and appreciate this little gem! How good is it? Ive already shown it to my son to help him with his debt and talked about it to several of my less financial literate friends! If I could give it more than 5 stars I would!.Not so blueVersion: 1.7.1

Great AppI like this app because it’s a visual to keep you on track toward bill payoff. Kind of like tracking weight loss I guess...seeing the balances come down continues the motivation to stay the course. My only problem is that once you pick a “balance as of” date and enter that information, you can’t change it without the app backdating itself. As an example, as the Fed interest rate rises, obviously so does the rate on my revolving debt. If I change to the new rate, it “back dates” that rate all the way to when I started the process which in my case has been over a year. This obviously skews current balances. You can’t start with an interest rate on a particular date then change that rate months down the line to be effective on a new date and continue the process. You have to delete your current payment information and re-enter it with all new data (balance, effective date, min payment, due date, snowball amount, etc). It’s not a HUGE deal but you kind of lose the visual of all your previous hard work and are starting with a clean slate all over again. But overall, I really do like the app. Balances maintained pace within pennies of statements and it really is “addictive” in that you do become very motivated to reach your goals..Jbarzeke1Version: 1.7.1

Having small issues with calculationsI really like the app and it has helped me keep things organized and helped me get my payments back on track and on time. As a result, since I’ve been using this since February, my credit score has gone up a little, which is needed since my student loans kill it, and two creditors that had previously decreased my limits (which was fine by me, less temptation) have since raised them again. I have one complaint regarding entering new payments. I set everything up in February, so all of my charts and individual tables start in February. When I went to add a new creditor, it backdated the “start” date for the payment plan to February, even though it is May. I tried deleting and re-entering and I tried looking in settings but it always goes back to the original month I entered everything. This needs changed. My interest rates/interest per month have also been out of whack. Some are right on track, some are off by 4 or 5 dollars. So to keep my monthly statements on track with this app, I’ve had to add a bunch of “one off purchases”. I’m not sure why this is happening. I’ve double checked all my balances and interest rates and still am having issue. It’s not a huge deal, but it isn’t working properly..AperfectpiscesVersion: 1.7.1

Like it a lot but could use fixReally like this app. Could use a fix though. I think most that use this would like to at times change their additional snowball $ amount. Sometimes people have setbacks resulting in less cash or have more cash to use or would like to change how aggressive they are with paying things off. But when I try to do this , I notice that the balance remaining gets messed up which I am guessing also messes up money saved, time saved before payoff, and date of payoff as they would be based on this also. And for every debt after that on the list too. It looks like that is because it applies that change also to payments made previously that were not made at that amount but at the previous amount. It really would be helpful if changing the amount would rebalance only for payments made after the change. I hope this is a change / update that can be done because other than that, I think this app is great!.Redzone11Version: 1.7.1

Great app for tracking and dealing with your debt 👊I love this app; great design, lots of useful options and cost only a buck! Takes little time(at least for me and I’m not an Einstein)to learn how to setup everything, once you’re done you good to go dealing with this horrible human invention - lending money with interest! Just don’t, unless it’s a mortgage or you’re building a history to get one, just don’t do it, it’s the biggest scam of our generation — credit cards! I recommend everyone to get this app and put all your debt in to it and look at it everytime you want to open credit card or use one, just to see how much more you gonna pay for all the goodies in a long run, and it’s gonna be a loooong expensive run for majority of us, sadly... One thing I wish they can add to it, profiles, so you can have multiple peoples debt on single device, other then that, awesome app! Thank you developers!!! 👍.KACTETVersion: 1.7.1

The app is great, wish it had one more thingI’ve used this for my snowball with great success. But I’ve downgraded it by one star because it lacks one feature that is VERY important to me: the ability to create and track multiple independent paydown plans. I have two kinds of debt: health-care related and non-health-care related. Because these are paid from different funding sources (HSA vs checking acct), they cannot be co-mingled. For example, if I payoff a hospital account with my HSA, the snowball should move to my physician’s account rather than a credit card account, because I cannot legally use those same HSA funds to payoff my credit card. If the app had the ability to track multiple paydown plans independently, then I would put all my health care debts in one plan (with its own snowball), and all my consumer credit debts in another plan (with its own snowball, maybe even a different strategy). Once it supports that, then I’ll update my review to add the final star..GodscreationVersion: 1.7.1

Great Tool***update after using app for a year: Still a great one. I’ve gifted it twice and recommended to multiple colleagues and friends. Developer is still super responsive and I finally understand how to export a table showing what payment to make where by month. Just purchased another one of his apps and downloaded two or three freebies. Thanks so much. Keep up the good work.*** This tool is awesome. Very customizable to suit your payoff style. Give you a great plan to get that debt paid off. We will be out of debt - even our mortgage - 12 years early if we follow this plan. Also, the developer is super responsive! I emailed a question and heard back in less than a day. I highly recommend this app to save you money, time, and headaches!.AKcLVersion: 1.7.1

Love it!This app is very malleable and customizable. You can change one month without altering the overall plan. You can even have a credit card with two different APR's due to a promotion or a balance transfer. I love how you can see debts presented in graph, table or summary. The one thing I would change is that it would be nice to be able to see a synopsis of each month, and how much money is being spent that month on total payments and then a further breakdown of total spent in terms of interest or balance paid down. The app already shows that breakdown per account and over the life of the debt. I would just like to be able to see on a monthly basis all debts together and how much I am spending in order to plan short term..DebtBgonVersion: 1.7

Love it!This app has helped us tremendously and I’ve recommended it to quite a few people. We went from a lot of debt to nothing but our mortgage and vehicles. We now have an amazing interest rate on our home and pay off credit card balances each month. We only use cards with rewards so they pay us to use their card. We pay zero credit card interest. This app has helped us create a plan and completely turn our financial situation around. We’re pushing to pay our mortgage off in the next five years now. Thank you for creating this app!.SRO07Version: 1.7.1

Great AppWhile trying to organize my budget, I came across the Spending app by the same developers. I’ve been using the Spending app for a long time. I was ecstatic when I found the Debt Manager app. I’m using it the two apps together to reign in my spending and pay off my debts using the snowball method. The interface on both apps are similar, simple and easy to use. I highly recommend the Debt Manager and Spending tracker. If I had one wish, it would be that those two apps were combined. What a powerful tool that would be!.ValF.Version: 1.7.1

Simply Excellent!!!I really like this application. It actually works as advertised. I've used 5 other applications purporting to compile, analyze, and offer a reasonable strategy based on the "snowball" theory and this is the only one that actually works without error. I'm no financial expert, just a regular guy trying to escape the morass of debt and I highly recommend it. This program will Really help you achieve your goal to eliminate debt within a reasonable time. Entries and calculations are effortless and I especially like the "snowflake" feature. Try this APP, you will not be disappointed!.To coxVersion: 1.6

Love, but one suggestionI love this app and "look forward" to paying bills, never thought I'd ever say that. I like being able to check off each monthly payment and seeing my debt go down each month. One wish, a monthly summary page of the upcoming month that shows each payment amount, to whom and in date order, that could also use to check off each payment as they are made. Overall, the app is simple, fast and very useful..Tanya TriviaVersion: 1.6

Simply Wonderful!!!The app is easy to use. I like how it shows interest rate and payoff date in the summery. I like how you can see the monthly payments and how easy it is to show you paid extra or charged something to a credit card. Only thing I would like to see different is the summery screen. I would like it to list debts by pay-off date instead of interest rate. Other than that, this is the best debts manager app I have used..TaxasgalVersion: 1.6

Must have app to help you pay off debtEasy to use- just add in all your debt and it automatically calculates what will be paid off first and then it rolls that payment into the next debt until everything is paid off. I like that I can look at the home screen and see all of my debt in one place and the day it will off be paid off. It’s motivation to keep at it..Annac0321Version: 1.7.1

What I Needed to SucceedWith a little work my navigating the tools in Debt Manager became second nature. Accessing needed info revealed various debt payoff strategies and it was up to me to pick one then do the footwork to follow it. Simple yet profound insights are demonstrated using graphs while charting the success along the way. The Debt Manager App awaits anyone seriously looking for the best approach to debt relief. The visual evidence to motivate me each month is now at my fingertips. Best .99 I ever spent !.TricodannyVersion: 1.7.1

Very good appMy only complaint is, for my student loans, it will not allow me to enter what my min payment actually is; but says "min payment must not be less than $x.xx".... Then, i still get the error when i enter $x.xx, so i have to add a penny. Some of my student loans I'm paying interest only, and paying off higher interest debt first. Anyway, so i add the difference as a transaction, so the math is correct..Joshm77Version: 1.6

So Far So Good!My credit cards were all over the place. This app helped me to get organized and it also made me realize that I was making late payments on several cards which was making me have interest penalties. I’m using the snowball method which is the lowest credit amount first and will be debt free in two years. Looking forward to it!.Redlady821Version: 1.7.1

Love This AppHad several debt apps over the years and most didn't do backups or were cumbersome in one way or another. So after I had to restore my phone recently I went looking around and found this debt app. Glad I did. Has many more features & fields than my previous apps and does Dropbox backup. Couldn't be happier. Highly recommend. 👍👍.NolesAndSteelersVersion: 1.6

Does more then I expected!I wanted something simple so I could manage my credit cards. This exceeded my expectation. It has so many options. My favourite is the snowball one which shows reports of how paying a little more effects the interest you end up paying..AlbabitaVersion: 1.7.1

A light at the end of the tunnelI love this app because it gives you a payoff date, and allows you to see how extra payment above the minimums each month will affect that date. It can get discouraging when you're scrimping each month to pay down debt, but don't know exactly when you will be done. Great tool..LgangleVersion: 1.6

App that helps plan and execute a snowball!This app is one of the most valuable financial tools I have! It has helped plan an attack on debt and stay the course. At a glance we always know exactly where we are debt-wise, and what it will take to further accelerate the plan. We played with several scenarios before finding the right plan for us..OkielitVersion: 1.7.1

Makes it so easy!This app is incredibly easy to use. It tells me how much interest will be added every month, which was always messing me up before. I love see my payment schedule, it is so motivating when you can actually see when you are going to finish paying off a debt..Mermanda9Version: 1.6

Very helpful appBeautiful layout and does everything you need. Ability to customize the order of debts to be paid. You can compare how much interest you’ll pay based on the strategy you use to pay your debt. I do wish you could sync it between devices..Beagle03Version: 1.7.1

Best I've found.I'm a personal finance blogger & podcaster, and have been looking for a budget version to track where we are on our debt repayment plan. This, by far, is the best I've found. The reports are easy to generate, it's simple to enter in the debt and get an idea of where we are daily and still see the big picture..ItsAmyRoblesVersion: 1.6

Very useful AppI thanks the people creating this app. Its amazing. I have been struggle on organizing and setting things up to radícate my debts. This app helps me a lot. You can send pdf to your email on reports on regards to current balances. Also paint a picture on how payments need to be made and also how to save money. Excellent!!!!.HsuazoeVersion: 1.7.1

Best Handle on FinancesThis is the easiest app to see all your debt and goals in one place. The customizable goals as well as the numerous tracking, goal setting, and visual pay down options make this an app I can’t stop sharing with friends, family, and anyone sitting next to me on in a social setting. Get it!.Haff CaffVersion: 1.7.1

Basic function is amazing! But a few snags...I absolutely adore this app. However the small issues I have with it is it only is able to be viewed by turning my iPad sideways, which is plain annoying. I love the table function! Everything else works great though!.NWgereenVersion: 1.7.1

It doesn’t seem to workThis app works on my iPad but not my iPhone. Both have the latest iOS but the iPhone won’t sync with the iPad. I tried entering my debts one at a time on the iPhone and it won’t even save one entry. Needs to be updated..Cs123456789Version: 1.7.1

Great simple appWorks as advertised. Allows you to enter info about your debts and then compare strategies for paying them down using the snowball method where you roll the amount paid for every debt into paying the next debt as they are paid off. Good value..TDRyanJrVersion: 1.6

Very handyThis makes budgeted more fun, and actually makes you want to pay down your debt, just to see the percentage paid rise! It does take a little finagling at first to make your snowball, monthly payments and one off payments line up. But once you get it sorted out, it's easy..Tiff*Version: 1.6

Helpful App for debt reductionThis App has been really helpful in keeping pace with current debts and providing a basic plan for paying it off. Gives a little level of achievement to pay off debts faster than the original plan and see a final zero balance..PbaeleVersion: 1.6

Meets expectationsI have been aware of programs like this (which calculate how to distribute $ to pay off debt in the least costly manor). The usability was very intuitive. I don't see how to customize the order in which you pay off the debts...but that is not something I care a great deal about. The results are non intuitive but indisputable and fun to obtain..JPT in WabtownVersion: 1.7.1

Very Best Debt Reduction App EvetEasy to use. Extremely helpful along with being very colorful. Wonderful charts that are easy to read. Allows you to use different strategies along and also helps you to determine how each strategy will look in the future. Highly recommend!.HoopStar4Ever23Version: 1.6

Great App!This app is great. The snowball paydown method is a great strategy for me. I loved how much I was able to customize my strategy within the app. Been using it for a couple of months now and I love it. This app has made me much more accountable and I’m sure will save me thousands of dollars in the long run..Young DielonVersion: 1.7.1

Excellent ToolI tried using another debt manager but it wouldn't allow you to adjust balances. I like this app you can add transactions to your credit card, the graphs give excellent comparisons between the snowball effect and no snowball effect. This is an excellent tool for understanding debt, looking into the future when planning for retirement and becoming debt free..Simply easy is betterVersion: 1.6

Helped Identify and Achieve GoalsHave used this App for several years now and reliably it’s helped me structure my plan and achieve it. And yes, the situation wasn’t good. This app made it so much easier to accomplish goals, revise as time progressed and now only have one year left on the plan! It really works!.ShortreachVersion: 1.7.1

Best snowball app availableRuns well year after year. It’s very easy to navigate and has kept me on track paying off debt. If you are looking for a simple snowball app to give you some guidance or encouragement, then this is the app for you..JearmsVersion: 1.7.1

Great app!If you're looking to be debt free and would like to know when, look no further! If you're the "Finance Minister" in the family, you'll be able to show your spouse in a very easy to read format how your going to get there..Mamabear78Version: 1.6

Issue with Calendar and had to start overI like all of the features. Well thought out. However, I started noticing the years and months changed and I could not figure out how to remedy without starting over. It's almost like the internal clock got thrown off. A bug to fix..Birdy Num NumsVersion: 1.6

Great app!This app has been invaluable to helping me get out of debt. I tried using other apps and excel, but they were so difficult to use and see the end of debt. However this app is easy to use definitely worth the money paid for! I know I’ll be using this and suggesting it to people I know!!.MrsMcDuffVersion: 1.7.1

Getting Out Of DebtI do like this app. It will help me to organize my debts better and hopefully keep me on track and consistent with my suggested payments. I do wish there was a way to put in another amount if I decided to make a payment that is more or less than the suggested amount..Lisa526Version: 1.7.1

Can’t reuse namesI don’t understand why I can’t reuse a name. If I type in Discover, I can’t start a new snowball with it because I already paid off Discover. Even if I abbreviate or change the name, the app still shows zero balance. Not very useful if you need to add something back to your snowball. I guess this app is designed only to be used once. I deleted it..DelzukiVersion: 1.7.1

So far it’s greatIt showed me which option would be best for reducing/eliminating my debt. The only thing I need to check is if it reduces the balance automatically with the payments I have entered.Former SoCal GalVersion: 1.7.1

Very helpful estimatesLoading in all my debts and then using payoff scenarios with the snowball method is very helpful… and gives hope that I really am getting somewhere… and quickly..DrWPRVersion: 1.7.1

Great App!!This app makes it incredibly easy to manage debts and keep payments straight. It's very straightforward. I would highly recommend this to anyone with any amount of debt to help you pay it off and stay organized!.UC21Version: 1.6

Almost perfectSo this is nice app for simply logging debt and payments but I can't seem to find anyway to add to my debt. I had to make a purchase on my card and without changing the whole balance I can't manage to just add a transaction . This is my only complaint! Otherwise useful app.Uhleesa*Version: 1.6

Excellent AppThis is the best app I have used to manage debt and to set up a debt snowball. It did take a little for me to figure out how to use all of its features, however. Still, if you are a Dave Ramsey fan you will like the help this app gives..RobinsondpVersion: 1.7.1

If I just could add the date when adding new debtThe application is great, but would be great if would provide flexibility to enter new debts with the new date when was incurred. I find it frustrating to always have to do the workaround in setting up the pay free period to roll the debt to the day it was actually incurred. Nothing is static in life..HiddengeishaVersion: 1.7.1

Great App Debt ReductionI’m an Accountant and will say this App is a must for precise and accurate debt reduction planning. The tables and graphs gives a detailed view of how your debts are being payed off. This app along with another financial app are a daily Must fo my financial well being. Best 1.99 spent in my Life!!!! BG Fla....BG-FlaVersion: 1.7.1

Good productShould have the feature to calculate interest at the end of the month even though payment is weekly..MoiociVersion: 1.7.1

ProblemMy region is Canada on iPhone, and on keyboard, we use comma to separate number, but you app use only dot, but I can’t put a number with cent like 123.45.Flouby69Version: 1.7.1

Finally iPhone 6 plus screen SupportThis app was so far the best out off all debt management apps out there great features. And now after feature request I think I submitted over 10 they finally did it ... It looks great on my iPhone 6 plus screen. Thank you so much!!!!.Smokinjo36jtVersion: 1.6

A Good App, Potential to be a Great AppSomewhat easy to use, could be a bit more easy for some operations. A great start, perhaps future updates will correct some minor flaws..Bill's ThoughtsVersion: 1.7.1

Great app but it needs updatingThis app has been excellent to easily manage debt payoff. I am mostly happy with it but I would like to see some updates and unadapted functionalities..GrammarmomVersion: 1.7.1

Good app that is helpfulThis app has the algorithms for bank loans that is helping me understand interest..JifnoVersion: 1.7.1

Would recommend for sureThis app is very helpful and still is non-descript enough that I feel like my privacy is still intact✅. Snowball payment feature is not quite as seamless as it can be but still very helpful. I’m a real person and this did help me get control of my money..Nickname3019Version: 1.7.1

Love itFinally an easy to use app for such a complex tracker.Fadoud37Version: 1.7.1

Great!Easy app..DeejljVersion: 1.6

Not Clear how to useWill be looking for another app.NextIconVersion: 1.7.1

Great appCovers all i need for planning. Works great.CurrananVersion: 1.6

Debt MAnagerEasy to use, awesome appt!!!!!.Rox41Version: 1.5

Update Needed!When did you last update this application? This looks awful on iPhone 6 Plus. Please update for retina display. Good application otherwise!.TKR07Version: 1.5

Amazing!I love this app! So easy to use and really helps you to keep on track of your debt. Watching my debt go down really makes me want to focus on it more to get it down faster. This app is a life saver..Cute little TaurusVersion: 1.5

IngeniousI do believe this will help me get out of debt faster :).Dawn, Toronto, ONVersion: 1.5

Awesome AppThis is exactly what I was looking for and then some. It's perfect if you want a plan to get out of debt(s) and track your payments. At first it was a bit confusing but there is great instructions and after you play around with it you figure it out. Pay the buck, it's worth it!.MyfitdocVersion: 1.5

Great!It'd be awesome if we could add an "apply $____ payment" instead of relying on monthly/weekly/etc payments..Zid!Version: 1.5

Love it!So far, love this app! It is far better than all the other debt calculator apps out there. I even paid for some and this one is much more user friendly and has so many more useful features. I love the ability to enter payments biweekly - one thing I would love to add is the date of biweekly payments (you can only enter the date due for monthly payments). Excellent app would recommend to anyone looking in this category!.McKegneyVersion: 1.5

DebtThis app really made me look at how many times. I pull out my credit card without thinking, and how much interest it's costing me. It's helping get debt-free!.Eye stars 68Version: 1.5

Eye opener (the good kind)This app was key to opening our eyes to managing our finances. Love the strategies, calculators, etc in allowing us to track progress, albeit, dollar by dollar. Thanks for being a candle in an otherwise dark room..MongshowVersion: 1.5

:)I like!.Beans12345678910Version: 1.5

Has issuesWhen I try to enter my minimum payment details, I get errors telling me the amount can't be less than a specific number. If I enter that amount, it still gives me this error. I'd like to identify bi-weekly "snowflake" payments but it won't allow you to choose that payment frequency on an account where you are required to make monthly payments. It seems to assume that we make minimum payments but in reality we over pay by making biweekly payments. It assumes we do both which throws the projections out from reality..LMR604Version: 1.5

Puts debt in perspectiveGreat app. One issue is that sometimes the password function does not work and you can just open it straight up..Stanman180Version: 1.5

Very useful app with good featuresGood job ...it does very well..Galati26Version: 1.5

Very ImpressiveI am a fanatic when trying to find ways to complete the debt. I do actually think this program is a good starter for people wanting I get out of debt. I don't see any problems thus far but there are always gonna be something..Cnewh00kVersion: 1.5

Best App For Debt ManagementGreat app.KCBillardVersion: 1.5

Amazing.This is the most complete debt managing app available easy to use, great visuals, shows you exactly where you stan and how long it will take to pay off your debt. Well worth the money..Adil DerdakVersion: 1.4

Good stuffVery helpful. easy to use..DattarVersion: 1.4

New update easier to read debt breakdownGreat app. Lots of features. Well worth the money!.English50Version: 1.4

Tried them all... This one is the best!Don't look any further. This one is the most complete debt payoff app. The others are too limited or too buggy. 0.99$ well spent!.Charlo3455Version: 1.3

Simple great appGood layout, simple to use, does what I needed!.Chenyuan6Version: 1.2

Great App, Great SupportThis app works very well and has many features not found in other debt apps. Support is quick and the developer is very open to suggestions. There has already been a couple updates, both of which added some great new features..ScaryBearVersion: 1.2

Free International Money Transfer 💸Enjoy high maximum transfers into more than 20 currencies while saving up to 90% over local banks! The cheap, fast way to send money abroad. Free transfer up to 500 USD!AdvertorialVersion: 1.7.1

Debt Manager Negative Reviews

Confusing to MeThis app was easy to navigate and listing my debt was simple to do, but I didn't really understand the "snowball" concept. I always thought of the snowball effect was paying off debts from lowest balance to highest (and that was the default option) but the graphs and charts didn't seem helpful nor was it easy to determine how much extra I needed to apply to each payment to reach any goals. When I added extra "snowflake" payments, it did not reflect on my balances immediately. Another user suggested it would reflect at the end of the month which is not useful to me....KittenMittinzVersion: 1.6

Stay away.This is thrown together. The only app I've ever regretted purchasing. If you don't care about quality design or user experience, go right on ahead. Otherwise I recommend something like Debts by Coopla instead..CottserVersion: 1.5

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