Table of contents
Best UK Debt Management Apps To Stay On Track
Other Helpful Tools To Ease Financial Stress
Choosing The Right App For You
Managing your money can feel like a constant balancing act. With rising costs, unexpected expenses and debts that won’t go away on their own, it’s easy to feel like things are slipping out of your hands. But a bit of support and the right tools can help you take back control.
There are now some brilliant apps designed to make managing your budget and staying on top of repayments a little less stressful. Whether you want to track your spending, cut back where you can, or get a clearer view of your debts, there’s something out there that can help.
Below, we’ve rounded up some of the best money and debt management apps in the UK right now, along with a few extra tools that could support your financial wellbeing.
Best UK Debt Management Apps To Stay On Track
If you’re juggling multiple debts or struggling to keep up with payments, the right app can give you a clearer picture and help you feel less overwhelmed. These tools are designed to simplify your finances, keep you on track, and offer practical support when things feel unmanageable.
Emma
Emma links to your accounts and gives a real-time overview of your spending, debts, and subscriptions. It helps flag unnecessary expenses and keeps everything in one place — ideal when you want to spot patterns and avoid slipping further into debt.
Best for: People who want an easy way to stay on top of spending and debt in one simple dashboard.
MoneyHelper Budget Planner
Created by the Money and Pensions Service, Moneyhelper free tool is simple, trusted, and easy to use. It helps you map out your income and expenses to understand where your money’s going and where you can cut back.
Best for: People taking their first step towards better budgeting or dealing with growing debt.
Freeze Debt
Freeze connects you with regulated debt advice and helps you track your progress. You can upload creditor information, look into possible solutions, and keep an eye on your repayments as you go.
Best for: Those already struggling with debt who want structure, support and a plan they can follow.
Debt Payoff Planner
This app lets you see all your debts in one place and choose a repayment strategy that works for you. Whether it’s the snowball or avalanche method, you’ll get a clear picture of your progress.
Best for: People managing multiple debts who want to stay motivated and organised.
Other Helpful Tools To Ease Financial Stress
Managing money isn’t just about spreadsheets and reminders — it’s about feeling less anxious day to day. These tools might offer a little more breathing space:
- Turn2Us Benefits Calculator – check if you’re missing out on financial support
- Cleo – a chat-based app that helps you stay on top of spending and avoid late payments
- PennyPlan – we offer free, confidential debt advice when budgeting tools alone aren’t enough
Apps are a great place to start, but they work even better when paired with the right support.
Choosing The Right App For You
The best app is the one you’ll actually use. For some, that’s a clean dashboard with categories and charts. For others, it’s helpful nudges and reminders. What matters most is that it fits into your routine and gives you more clarity, not more stress.
Start with one or two that feel right, try them for a few weeks, and see how they help. If they give you a better grip on your finances, that’s a positive step forward. And, if they show you it’s time to get help, you’re not alone in that either.
Need More Than An App? We’re Here To Help
Apps are useful, but they can’t always fix a deeper problem, particularly if debts are growing and the pressure’s affecting your day-to-day life.
That’s where we come in. At PennyPlan, we offer free, confidential debt advice tailored to your circumstances. Whether you’re juggling catalogue accounts, payday loans, or credit cards, we’ll talk you through your options clearly and support you every step of the way.
For more information and support, talk to our team today.
