AppGrooves offers Best 10 Apps & Games for over 600 categories so you don’t have to. Learn more.

💰 Mastermind Your Debt Payoff with The Best Apps for Calculating Credit Card Debt

By Jan 2, 2019

Nobody likes debts - they make your future painful. To make it easy for you, we bring you 4 tips to quickly create a perfect plan by using the Best 10 Apps for Calculating Credit Card Debt.

If you ask any person that managed to pay off their debt how they did it, the answer will likely be similar - strategy and determination. Sound simple, right?

Well, it is. Paying off a debt isn’t magic done by some wizards in weird-looking dresses, but careful step-by-step planning.

So, we bring you 4 tips to help you pay off your debt and tools that make the journey towards a happier future super easy and even enjoyable.

1. Quickly List Your Debts

The first thing you need to do is swallow the bitter bill, sorry, pill and face the music. And that means listing your debts. If you don’t do this, you’ll just end up running circles.

We suggest Mint as a great tool to organize your credit cards, debts and everything else in a single app.

Trust us, you might cry a bit, but you’ll feel a giant boulder lifted off your back.

Mint is the free, effortless way to manage your money in one place.

Free
  • Free
  • 34.1MB
Mint: Budget, Bills, Finance
  • Mint: Budget, Bills, Finance
  • Mint: Budget, Bills, Finance
  • Mint: Budget, Bills, Finance
  • Mint: Budget, Bills, Finance
  • Mint: Budget, Bills, Finance
  • Mint: Budget, Bills, Finance
  • Mint: Budget, Bills, Finance
  • Mint: Budget, Bills, Finance
  • Mint: Budget, Bills, Finance
  • Mint: Budget, Bills, Finance
  • Mint: Budget, Bills, Finance
  • Mint: Budget, Bills, Finance
  • Mint: Budget, Bills, Finance
  • Mint: Budget, Bills, Finance
  • Mint: Budget, Bills, Finance
  • Mint: Budget, Bills, Finance
  • Mint: Budget, Bills, Finance

2. Easily Find the Pay Off Money

No, we’re not talking about borrowing money from shady people in a dark alley. The reality is, you have the money, you just don’t know it (yet).

A simple way to find “secret money” is by using the budget info you gather in Mint. This way you’ll have your master plan in one app.

This isn’t obvious until you start, but once you list, you’ll realize there’s $200 here and $200 there you can use.

3. Pick Your Personal Payoff Strategy

One strategy is to pay off the minimum amount for every debt except the one with the highest interest rate. Use the leftovers to pay the high-interest debt.

The second is the snowball strategy where you start with the low-interest first.

The first strategy is more effective, but the second provides quick results. We suggest Debt Payoff Planner for finding out which strategy works better. 

Debt Payoff Planner

Debt Payoff Planner

OxbowSoft LLC

4.3 2K+ Reviews
100K+

Stebt: Debt Payoff Planner and Snowball Calculator. Time to be debt-free.

Free
  • Free
  • 2.1MB
Debt Payoff Planner
  • Debt Payoff Planner
  • Debt Payoff Planner
  • Debt Payoff Planner
  • Debt Payoff Planner
  • Debt Payoff Planner
  • Debt Payoff Planner
  • Debt Payoff Planner
  • Debt Payoff Planner
  • Debt Payoff Planner

4. Receive an Unexpected Payoff Boost

Remember that awesome financial plan you created following the first and second tip? Well, there are tons of small situations where you’ll “get” extra money along the way.

Bought something on discount? Got tax return? Received a bonus? Hell, got $100 for your birthday? Put all that saved money in the payoff budget.

When you sum up these mini inflows, you’ll discover that 2+2 can be thousand!

Debt can seem like a rabbit hole filled with spikes, snakes, bombs and everything else that makes going into it horrific.

But all you have to do is put your strategic hat on and start planning.

Just creating a simple strategy already removes tons of obstacles and using a couple of the Best 10 Apps for Calculating Credit Card Debt makes it even easier.

Don’t believe us? Well, you can’t know until you try it. Good luck!

Check below:
  • Best 10 Apps for Budgeting

    Best 10 Apps for Budgeting

    Keep track of your budgeting with the best budget & calculator apps. Plan your monthly household budget with a simple template & worksheet.

    878 apps
    Best 10 Apps for Budgeting
  • Best 10 Apps for Investing

    Best 10 Apps for Investing

    Investing in stocks or real estate can be easy & fun, even for beginners. With investment calculators you can make your money grow.

    496 apps
    Best 10 Apps for Investing
  • Best 10 Financial Calculator Apps

    Best 10 Financial Calculator Apps

    Turn your phone into a powerful financial calculator with the right app. Use the calculator to make your every financial move with confidence.

    529 apps
    Best 10 Financial Calculator Apps
  • Best 10 Apps for Mortgage Management

    Best 10 Apps for Mortgage Management

    Plan every step accurately with a mortgage management app. Use the mortgage amortization calculator & schedule to calculate the way to the home of your dreams.

    632 apps
    Best 10 Apps for Mortgage Management
  • Best 10 Mortgage Calculator Apps

    Best 10 Mortgage Calculator Apps

    Efficiently calculate your mortgage rates with a mortgage payment calculator. Find out today’s mortgage rates and create up to a 30-year mortgage plan.

    392 apps
    Best 10 Mortgage Calculator Apps
  • Best 10 Apps for Tax Preparation

    Best 10 Apps for Tax Preparation

    Get your taxes done quickly with an easy-to-use federal income tax calculator. Use income tax estimators and free online tax preparation software to stay ahead

    474 apps
    Best 10 Apps for Tax Preparation
  • Best 10 Apps for Finance News

    Best 10 Apps for Finance News

    Get the latest stock market news today along with other crucial financial news! Receive daily US & all the top rated stock market news.

    593 apps
    Best 10 Apps for Finance News
  • Best 10 Loan Calculator Apps

    Best 10 Loan Calculator Apps

    Find handy loan calculator tools to help you save, budget, invest and borrow money. Calculate payments, interest and the cost of credit.

    586 apps
    Best 10 Loan Calculator Apps
  • Best 10 Apps for Calculating Credit Card Debt

    Best 10 Apps for Calculating Credit Card Debt

    Figure out a strategy for paying off your credit cards with a debt calculator. Learn the cost of debt and plan for debt reduction with great payoff calculators.

    891 apps
    Best 10 Apps for Calculating Credit Card Debt
  • Best 10 Apps for Insurance

    Best 10 Apps for Insurance

    Getting car, life or even pet insurance quickly isn’t always easy. With a trusted app you can pick any insurance and secure your coverage easily.

    467 apps
    Best 10 Apps for Insurance
  • Best 10 Apps for Exchanging Money

    Best 10 Apps for Exchanging Money

    All the world’s currencies at your fingertips. Stay updated on continually fluctuating currency exchange rates with a great currency converter app.

    555 apps
    Best 10 Apps for Exchanging Money
  • Best 10 Financial Advisor Apps

    Best 10 Financial Advisor Apps

    Managing your money has never been easier. With financial advisor apps, you can optimize your financial planning quickly and easily.

    779 apps
    Best 10 Financial Advisor Apps
  • Best 10 Apps for Payday Loans

    Best 10 Apps for Payday Loans

    The fastest way to get instant payday loans is by checking out one of these great apps. Get the best payday loan when you need it most.

    271 apps
    Best 10 Apps for Payday Loans
  • Best 10 Apps for Calculating Auto Financing

    Best 10 Apps for Calculating Auto Financing

    Get the best auto loans anytime, anywhere. With an auto loan calculator, you can calculate your payments and figure the bank rates and save time and money.

    412 apps
    Best 10 Apps for Calculating Auto Financing
  • Best 10 Auto Mileage Tracker Apps

    Best 10 Auto Mileage Tracker Apps

    Having a trip log saves you a lot of money on gas and mileage expenses. Find an auto mileage tracker and create your own personal vehicle logbook.

    245 apps
    Best 10 Auto Mileage Tracker Apps
  • Best 10 Banking Apps

    Best 10 Banking Apps

    Get access to banking wherever you go with mobile banking apps. Check your balance, make transfers and pay bills online quickly and easily.

    576 apps
    Best 10 Banking Apps
  • Best 10 Credit Card Apps

    Best 10 Credit Card Apps

    Get complete control over your business, student, travel and even prepaid credit cards. Stay on top of payments, check balances anytime.

    246 apps
    Best 10 Credit Card Apps
  • Best 10 Bitcoin Apps

    Best 10 Bitcoin Apps

    A regular wallet won’t do if you’re using Bitcoin. Learn about Bitcoin cash, how to buy Bitcoin and what Bitcoin faucet is with the best Bitcoin wallet apps.

    535 apps
    Best 10 Bitcoin Apps
  • Best 10 Apps to Balance Checkbook

    Best 10 Apps to Balance Checkbook

    Track checks & balance your checkbook with ease. No need to waste hours balancing your checkbook manually when there’s loads of software to do it for you.

    496 apps
    Best 10 Apps to Balance Checkbook
  • Best 10 Apps for Tracking Expenses

    Best 10 Apps for Tracking Expenses

    Where does that money go? Track your expenses online and learn to budget your spending with smart money trackers and savings goals.

    502 apps
    Best 10 Apps for Tracking Expenses
  • Best 10 Apps for Transferring Money

    Best 10 Apps for Transferring Money

    Money transfers for the modern age. Safely send payments to friends, landlord, school, and more in moments online with mobile apps.

    447 apps
    Best 10 Apps for Transferring Money
  • Best 10 Apps for Personal Finance

    Best 10 Apps for Personal Finance

    Take the anxiety out of budgeting and tracking your finances. Compare the best personal finance apps and budget software and start saving money today.

    404 apps
    Best 10 Apps for Personal Finance
  • Best 10 Apps for Trading Stock

    Best 10 Apps for Trading Stock

    Investment and stock trading on the go. Learn the best stocks to buy and sell now and become your own online stock broker.

    544 apps
    Best 10 Apps for Trading Stock
  • Best 10 Apps for Monitoring Credit

    Best 10 Apps for Monitoring Credit

    Check your credit score for free on one of the best credit monitoring apps. Find out what affects a good credit score and improve it with free weekly reports.

    249 apps
    Best 10 Apps for Monitoring Credit

Still undecided? Let us help you.