DebtDrop

The only debt payoff app with a built-in mortgage recast calculator. Track every debt, see your payoff timeline, and drop your debt faster.

Download on the App Store

Why DebtDrop?

Built for homeowners and anyone serious about becoming debt-free.

Mortgage Recast Calculator

See exactly how a lump sum payment can lower your monthly mortgage payment. No other debt app offers this.

Smart Strategy Comparison

Compare snowball vs avalanche methods with real simulations showing your projected payoff date and total interest saved.

Home Equity Tracking

Watch your equity grow with adjustable appreciation rates. Get alerted when you can remove PMI and save hundreds per month.

Household Mode

Track debt together. Assign debts to each partner, see combined payoff projections, and manage your household budget.

Complete Amortization Tables

See the principal and interest breakdown for every payment, month by month. Know exactly where your money goes.

Budget & Income Tracking

Track your income, expenses by category, and see how much is available for extra debt payments.

PDF Reports

Generate detailed debt reports to share with financial advisors, mortgage lenders, or keep for your records.

Complete Privacy

No data collection, no analytics, no ads. Everything stays on your device and your personal iCloud.