Apparatuses, systems, methods, and program products are disclosed for transaction-based debt management and visualization. A method includes receiving debt data for one or more debt accounts of a user over a data network at a mobile device. A method includes generating a graphical representation of debt data based on one or more characteristics of the debt data determined for a period of time related to the debt data. A method includes presenting a graphical representation of debt data within an interface of a display device of a mobile device. A method includes dynamically adjusting a graphical representation of debt data with a new period of time related to the debt data in response to a user selecting one of a plurality of debt plans for reducing a balance in the one or more of the user's debt accounts.