Ditch vs Undebt.it
Ditch
ditch.io
Undebt.it
undebt.itSide by side
| Figure | Ditch | Undebt.it |
|---|---|---|
| Price from | $3.99/mo | $0.83/mo |
| Free plan | — | Yes |
| Free trial | Yes | Yes |
| Open source | — | — |
| Web | — | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| Plans published | 3 | 2 |
| Spec score · Debt Management Software | 7.9 (#11) | 7.7 (#16) |
| Payoff methods | Users can choose round-ups, percentages, or smart payoff settings. | It lists eight payoff methods, including snowball, avalanche, hybrid, cash flow index, and custom plans. |
| Privacy | Ditch says it does not sell personal information and shares it only with trusted partners needed to provide the service. | The privacy policy says user personal identification information is not sold or shared with third parties. |
| Purpose | Ditch sends round-ups from purchases toward debt to help users pay it off faster. | Undebt.it generates rollover debt payoff plans and tracks payments, balances, and projected debt-free dates. |
| Security | Ditch says it implements security safeguards, while noting that no internet transmission or electronic system is completely secure. | The privacy policy says passwords are not stored in plaintext and data transfers use SSL encryption. |
| Support | Support options listed by plan range from basic chat and email to premium chat and phone support, and the site also offers a contact page. | The site provides an FAQ and help center and lists an email address and contact form. |
Plans
In their own words
Ditch
Ditch directs purchase round-ups toward a selected debt, with additional options for percentages or smart payoff settings. Users set a trigger amount, such as $25; once round-ups reach it, funds are pulled and sent toward that debt. The app also offers debt-focused budgeting, manual budgeting, transaction reviews, a consolidated debt dashboard and personalized debt insights. Ditch says it connects to accounts from thousands of banking institutions, with 96%+ coverage. Before withdrawing, it checks the account balance and says it will not take funds if the balance is insufficient; the overdraft protection setting has a $100 minimum. Dani, an AI personal finance assistant, is included with Pro. The app is available on Android and iOS. Plan details list Basic at $3.99 a month, Plus at $9.99 a month and Pro at $15.99 a month, all billed monthly. The pricing note also says from $12.99/mo and gives a 7-day trial. The site says round-ups currently go toward debt; savings support is being explored but is not available now. Ditch Technologies, Inc. is based in Atlanta, Georgia.
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.