Illustration: Lan Truong

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Clear Your Credit
Pay Off Debt

One of the first apps of its kind in the iPhone App Store, Pay Off Debt helps you deal with credit card debt using the snowball method (paying off your lowest balance first), the avalanche approach (starting with the card that has the highest interest rate), or any other order you choose. Upload an image that represents why you want to get out of debt (e.g., the condo you want to buy, the city you hope to visit) to stay motivated.

Cost: $4.99.

The average credit card debt for U.S. households that carry a balance is $16,048.

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Farnoosh Torabi is a personal finance expert, the author of When She Makes More, and the host of CNBC's Follow the Leader and the award-winning podcast So Money.

Credit card stat source: American Credit Card Debt Statistics & Key Findings—Updates May 2016,