Debt Payoff Planner: Tracker vs Undebt.it

Debt Payoff Planner: Tracker is an iPhone app and web-based planning tool for recording debts, logging payments, comparing payoff methods, and following progress. It supports snowball, which targets the smallest balance, and avalanche, which targets the highest interest rate. Users can review payment history, set reminders, and see a debt-free estimate. The app tracks both money users owe and money owed to them, and works offline. Debts are entered manually; the app does not connect to a bank or request bank login details. Records stay on the user's iPhone and private iCloud rather than the developer's servers, though purchases, analytics, and diagnostics use service providers. The free plan covers up to three debts. Premium monthly costs $4.99 a month, while Premium yearly costs $29.99 a year and includes a 7-day free trial. Paid plans add unlimited debts, exact strategy order comparisons, advanced statistics, and PDF reports. The app requires iOS 26 or later; the website also offers browser-based payoff calculators without an account.

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.