Overview

Undebt.it builds rollover payoff plans, directing money freed from a cleared debt toward the next one, and tracks balances, payments, and projected payoff dates. Its eight methods include snowball, avalanche, hybrid, cash flow index, and custom plans. That range makes it more adaptable than a planner centered on a single repayment order, though choosing among approaches still depends on the user's priorities.

The free debt snowball calculator creates a one-off plan without an account. A free account adds the core planner, so borrowers can begin organizing repayment without paying. The service began in 2012 as a personal debt-management project. For more choices, browse our Debt Management Software list.

Key features

Balance and payment tracking keep a payoff plan tied to progress, while a projected debt-free date provides a useful target rather than a guarantee. Undebt.it+ adds bill tracking, payoff snapshots, calendar views, reminders, what-if scenarios, and other tools. These additions suit people who want more ways to monitor and adjust a plan; the free tier is the more practical choice for users who only need the core planner.

Undebt.it+ can sync balances through SimpleFIN and optionally import transactions once nightly. The connection is read-only, requires a separate SimpleFIN Bridge account, and does not sync interest rates, minimum payments, or due dates. Users should expect to maintain those planning inputs themselves. The YNAB integration can update balances and import payment and purchase transactions.

The maker says users enter account details themselves and the service does not ask for bank or credit-card login credentials. Its privacy policy says passwords are not stored in plaintext, data transfers use SSL encryption, and personal identification information is not sold or shared with third parties. An FAQ and help center, email address, and contact form provide support. One account is intended for one set of accounts; tracking another set requires a separate email account.

Pricing

Undebt.it Free: Free. It includes the core debt payoff planner and free debt snowball calculator, with a 30-day Undebt.it+ trial for account holders. It is a sensible way to start a plan or test the paid tools, but ongoing access to the premium features requires an upgrade.

Undebt.it+: 10.00 USD per year. This is a single, non-recurring access fee for one year, manually renewed. It adds the premium planning and tracking features, including SimpleFIN balance sync. The manual renewal avoids automatic recurring billing, but users must renew to continue premium access after the year.

Platforms

Undebt.it is available on the web and on Android and iOS through installation from a browser to the phone's home screen. It has no dedicated mobile apps. This can work for borrowers comfortable using a website on a phone, but is a drawback for anyone who wants a native app experience.

Who it's for

Undebt.it is a good fit for borrowers who want to compare payoff methods, keep balances and payments organized, and use a projected debt-free date to follow progress. The free calculator is useful for a one-time estimate, while Undebt.it+ is better suited to people who will use reminders, bill tracking, scenario planning, or optional balance syncing. It is less suitable for anyone needing native mobile apps or bank sync that also handles rates, minimums, and due dates.

Pros and cons

Pro: Eight payoff methods, including custom plans, let users choose an approach rather than accept one fixed strategy.
Pro: A no-account calculator and free core planner make it possible to start without paying.
Pro: Undebt.it+ costs $10/year for a manually renewed year of premium access, rather than an automatically recurring subscription.
Con: SimpleFIN requires a separate Bridge account and does not sync rates, minimum payments, or due dates, limiting how much of the plan it can maintain automatically.
Con: Mobile access is browser-based, not through dedicated Android or iOS apps.
Con: One account is intended for one set of accounts; a separate email account is needed for another set.

Alternatives

Choose Debt Ladder if a mobile-first plan with a free allowance of up to three debts, monthly check-ins, a debt-free date, and reminders is enough. Its paid monthly plan supports unlimited debts.

Debt Payoff Planner: Tracker is another option for iOS and web users who want a free tier for up to three debts with payment logging, reminders, and a debt-free estimate.

Payoff may fit Android or iOS users who want a free plan capped at two debts, with Snowball and Avalanche strategies, reminders, milestone celebrations, and five AI coach messages per month.

Debt Payoff Planner is an Android, iOS, and web alternative with a free plan and a Pro plan from 2.00 USD per month for extra features and more complex situations.

Monnelia is a cross-platform alternative with a free tier and a premium annual plan priced at 1.99 USD per year.

FinEase Advocate Portal is a web-based option for invited users, with a free tier for single-lender access and paid plans for broader lender access and reporting tools.

DebtClear is a free Android alternative with no subscription or premium tier.

Finwise is a free web-based system with no monthly program fee; additional plug-in packages may carry costs.

Verdict

Choose Undebt.it if you want a flexible payoff planner with several strategies, balance tracking, and a low-cost annual upgrade for deeper planning tools. Its free calculator and core planner lower the barrier to getting started. Look elsewhere if native mobile apps or more complete automatic bank syncing are essential to your routine.

	Debt Payoff Planner: Tracker	Undebt.it
Free plan	Yes	Yes
Free trial	Yes	Yes
Paid from	$2.50/mo	$0.83/mo
Platforms	iOS, Web	Android, iOS, Web
Free plan	Yes	Yes
Paid from	4.99 /mo
Payoff strategies	both	both
Balance tracking	Yes	Yes
Mobile apps	Yes	No

Debt Payoff Planner: Tracker vs Undebt.it

Debt Payoff Planner: Tracker

Undebt.it