Every debt together
Keep cards, loans and finance balances alongside their interest rates and minimum payments.
NIQORA DebtAvailable nowSee what you owe.
See your way forward.
Bring every balance into one calm view. Find a repayment approach that makes sense to you, and turn each payment into visible progress.
Start free · Available in the UK on iPhone and Android
ONE LESS THING TO REMEMBER
Automatic iCloud backup.
Included as standard.
Turn on Automatic iCloud backup in a supported iPhone version of NIQORA Debt. Changes save to your own iCloud while the app is open and unlocked. You stay in control of backup and restore.
- Included on Free and NIQORA+
- Optional — switch it on in each app
- Your own iCloud. Restore when you choose.
Requires a compatible app version and available iCloud storage. Check the latest completed backup in the app. App release availability is shown separately.
MADE FOR EVERYDAY LIFE
Less scattered.
More in control.
The important numbers, decisions and small wins. Together in one place.
A clearer dashboard
See your total balance, payments this month and recent activity at a glance.
A plan you can follow
Choose avalanche, snowball or minimum-payment planning and set your monthly budget.
Visible progress
Record payments, review your history and keep balances up to date.
Room to explore
Model overpayments, compare strategies and look deeper with NIQORA+.
Control built in
Hide amounts on screen, manage app lock and access account-deletion controls.
THREE SMALL STEPS
A simpler place to start.
Add your balances
Enter the debts you want to track, including interest rates and minimum payments.
Find your route
Choose a repayment strategy and monthly budget that you can review over time.
Keep moving
Log payments as they happen and see your plan change with your progress.
01
Debt · Home
YOUR STARTING POINT
Every balance. A clearer picture.
Bring total debt, monthly payments and recent progress together. See where you are before deciding what comes next.
- All active balances together
- Payments and progress at a glance
- Privacy controls included free
02
Debt · Your debts
YOUR DEBTS, TOGETHER
Keep the details in view.
Review the balances and payment details you have entered for each credit card, loan or finance agreement.
- Balances, APRs and minimum payments
- Payment dates alongside each account
- Start free with three active debts
03
Debt · Payoff plan
FIND YOUR WAY FORWARD
A repayment plan you can follow.
Compare your approach, set a monthly budget and bring the repayment order into focus. NIQORA+ adds modelling for extra payments and deeper comparisons.
- Snowball and avalanche approaches
- A budget based on the details you enter
- Explore overpayments with NIQORA+
04
Debt · Insights
KEEP THE MOMENTUM
Small steps deserve to be seen.
Follow recorded payments and the changing picture. Explore estimated interest and see how another payment could affect your route.
- Recorded payments and estimated progress
- Useful views of balances and interest
- Advanced planning with NIQORA+
05
Debt · Your own iCloud backup
YOUR OWN ICLOUD BACKUP
A personal copy, in your hands.
Save your debts, payment history and plan to your own iCloud. In supported iPhone versions, enable automatic backup to save changes while Debt is open and unlocked.
- Included with Free and NIQORA+
- Optional automatic backup; restore when you choose
- Separate from NIQORA account sync
06
Debt · NIQORA+ membership
ONE NIQORA ACCOUNT
Your membership, together.
See your eligible membership and explore the NIQORA family from Debt. Existing members continue with the same NIQORA account.
- Your membership status in one place
- Unlimited Debt tracking with NIQORA+
- App availability shown separately
Actual iPhone screenshots with example data from the refreshed Debt 1.1.0, submitted to Apple for review. The current App Store and Android versions may look different. Payoff figures are estimates.
USE WHAT YOU NEED
A useful free app.
More with NIQORA+.
Three active debts to get started. Unlimited tracking and deeper planning with premium membership.
3 active debts
Your dashboard, payment history and core payoff plan.
Privacy controls included.
Go deeper with your plan.
Unlimited debts, strategy comparisons, extra-payment modelling and personalised schedules.
UK iPhone pricing: £9.99/month or £79.99/year. Existing subscribers keep their current price while their subscription continues without interruption.
Compare membership plansNIQORA+ shared access is being prepared for the upcoming app updates. Existing Debt subscriptions continue with their current benefits.
YOUR INFORMATION. YOUR CHOICE.
Privacy is part of the foundation.
No bank connection is needed. You choose what to add, can hide amounts on screen and have clear controls for your data. Privacy features stay free.
How we handle your informationCan I use Debt for free?
Yes. Free includes up to three active debts, your dashboard, payment tracking and core payoff planning. NIQORA+ is the membership name for unlimited tracking and advanced tools.
Does it connect to my bank?
No. You enter and update balances and payments yourself. NIQORA does not need your online-banking passwords.
What is changing with NIQORA+?
Premium membership is moving to the NIQORA+ name. Existing Debt subscribers retain their current access. Shared Bills benefits are being prepared for the upcoming app updates.
Are payoff dates guaranteed?
No. Projections depend on the information you enter and the assumptions in the app. NIQORA is an organisational and educational tool, not a financial-advice service.
NIQORA DEBT
Your clear way forward.
Start with a clear picture of where you are today.