Debt can sometimes be used in one’s favor, but it starts becoming a major liability when it accumulates over time. Paying off such debt can become difficult if you are not good at managing finances, and along with repaying debt, you need to take care of daily expenses as well.

This can make it difficult to manage such financial situations, but you can use apps to help you manage credit card debt. Here are some apps to that will prove useful if you’re looking for help to manage debt:

• Debt Manager
  This app is extremely helpful if you’re willing to keep your loans in check. Once a loan has been paid in full, the app takes it into account and uses the information into the future outstanding loans. The app also suggests multiple ways to help you pay off your loans quickly. Debt Manager uses several bars and charts to help you track your credit and loans with ease.
• ChangED
  This app is specifically designed for student loan debts. Once you successfully sync your bank account with the app, it uses the information to understand your spending behavior and automatically deposits the “change” toward repaying your loan as and when the amount reaches a figure of $100. Over time, this helps you save hundreds of dollars that you would’ve paid in interest otherwise.
• Credit Card Payoff
  This app allows you to set time-bound goals to pay your credit card bills. Once you’ve set the goals, it gives you an approximate figure of monthly payments to be made to reach the goal. Also, this app can give you a comprehensive view of how much money you’ll save or how sooner you’ll be able to clear the debt if you pay a little extra now. These features make it one of the top names in the list of apps to help manage credit card debt.
• Credit Karma
  This has several free tools to help you keep track of your credit. Using the app, you can also get access to your credit score and credit report and save on the monitoring costs of this data. With this app, you will know the multiple factors that impact your credit score, and you also get regular suggestions to improve your score. Other features like tax-filing and the ability to search unclaimed money further help you make better financial decisions.
• Debt Manager and Tracker
  You can get information about the amount of money that you owe and the amount that is owed to you via this app. Interesting features like graphs and tracking abilities to understand payments also come in handy as you can stay updated on the current financial situation. Also, you can upgrade to the Pro version for added security and zero ads.