Changed vs Undebt.it
Changed
gochanged.com
Undebt.it
undebt.itSide by side
| Figure | Changed | Undebt.it |
|---|---|---|
| Price from | $4/mo | $0.83/mo |
| Free plan | — | Yes |
| Free trial | — | Yes |
| Open source | — | — |
| Web | — | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| Plans published | 1 | 2 |
| Spec score · Debt Management Software | 8.0 (#8) | 7.7 (#16) |
| Founded | 2017 | 2012 |
| Purpose | Changed is a debt payoff app that rounds up purchases and uses the savings to help pay down debt. | Undebt.it generates rollover debt payoff plans and tracks payments, balances, and projected debt-free dates. |
| Security | Changed says account information is protected with bank-level encryption. | The privacy policy says passwords are not stored in plaintext and data transfers use SSL encryption. |
| Support | Changed directs users to its Help Center for answers to common questions and provides a support contact page. | The site provides an FAQ and help center and lists an email address and contact form. |
Plans
In their own words
Undebt.it
Undebt.it creates rollover debt payoff plans and tracks payments, balances and projected debt-free dates. It offers eight payoff approaches, including snowball, avalanche, hybrid, cash flow index and custom plans. A free debt snowball calculator can produce a one-off plan without an account. The free plan includes the core planner, while Undebt.it+ adds bill tracking, payoff snapshots, calendar views, reminders, what-if scenarios and other tools. Undebt.it+ costs $10 a year as a single, non-recurring fee for one year of access, with manual renewal; account holders can try it for 30 days. The web service can be installed on iPhone and Android home screens through a browser, but it has no mobile apps. Premium users can sync balances and optionally import transactions nightly through SimpleFIN. This read-only sync needs a separate SimpleFIN Bridge account and does not sync interest rates, minimum payments or due dates. The YNAB integration can update balances and import payment and purchase transactions. Users enter account details themselves; the maker says it does not request bank or credit-card login credentials.