Undebt.it

Undebt.it is a debt payoff planner and balance tracker for people who want to organize several debts around a clear repayment strategy. It is best suited to borrowers who want a choice of payoff methods and can work with a browser-based service. The free calculator is a low-commitment way to sketch a plan; ongoing tracking and extra planning tools require Undebt.it+.

Overview

The planner creates rollover repayment plans, records payments and balances, and projects a debt-free date. Its eight payoff methods include snowball, avalanche, hybrid, cash flow index, and custom plans, so users can choose an approach rather than being locked into one repayment order. Undebt.it began in 2012 as its maker’s personal debt-management project.

A free debt snowball calculator creates a one-off plan without an account. A free account adds the core planner, making it possible to move from a quick estimate to ongoing tracking without paying. The trade-off is that several tools for keeping a plan organized are reserved for Undebt.it+.

For more options, browse our Debt Management Software list.

Key features

Rollover planning, balance tracking, and payment logging make Undebt.it useful for someone who wants to see how repayment progress changes over time. The projected debt-free date gives a target, while the range of strategies supports different ways of prioritizing balances. A custom plan also gives users room to define an approach beyond the named methods.

Undebt.it+ adds bill tracking, payoff snapshots, calendar views, reminders, what-if scenarios, and other tools. These are most relevant to users who want to keep due dates and possible plan changes in one workflow; the free tier remains more appropriate for a basic payoff plan.

Premium bank syncing runs once nightly through SimpleFIN. It is read-only, requires a separate SimpleFIN Bridge account, and does not sync interest rates, minimum payments, or due dates. That can reduce manual balance updates, but it is not a full replacement for entering key repayment terms yourself. The YNAB integration can update balances and import payment and purchase transactions.

The maker says users enter account details themselves and that Undebt.it does not ask for bank or credit-card login credentials. Its privacy policy says passwords are not stored in plaintext, transfers use SSL encryption, and personal identification information is not sold or shared with third parties.

Pricing

Undebt.it Free: free. The free plan includes the core debt payoff planner and free snowball calculator. Account holders can use a 30-day free trial of Undebt.it+. This is the sensible starting point for anyone who needs a basic strategy and tracking but can do without the premium tools.

Undebt.it+: $10 a year. The fee buys one year of premium features and is a single, non-recurring access fee that must be renewed manually. It includes tools such as bill tracking, snapshots, calendar views, reminders, what-if scenarios, and SimpleFIN syncing. It suits users who will make regular use of those planning aids; there is no automatic renewal to remember to cancel, but access does require a fresh manual renewal after the year.

One account is intended for one set of accounts. To track another set, the FAQ says a separate email account can be used, so people managing multiple household or other account groups should factor in that separation.

Platforms

Undebt.it is available on the web and can be installed on an iPhone or Android home screen from a browser. It has no dedicated mobile apps, so people who prefer a native app should consider alternatives instead.

Who it's for

Undebt.it is a good fit for people who want to compare several payoff methods, track balances and payments, and keep a projected payoff date in view. It is also suitable for cautious users who prefer not to provide bank login credentials. People who need a separate account set for every debt portfolio, native mobile apps, or automatic syncing of rates and due dates may find its limits more consequential.

The FAQ and help center provide self-service support, and the site offers an email address and contact form for direct questions.

Pros and cons

• Eight payoff methods: snowball, avalanche, hybrid, cash flow index, and custom plans give borrowers meaningful choice in how they order repayment.
• Useful free entry point: the no-account snowball calculator supports a one-off plan, while a free account provides the core planner.
• Practical premium planning tools: reminders, calendars, bill tracking, and what-if scenarios help users manage a plan beyond its initial setup.
• Constrained bank sync: SimpleFIN is read-only, nightly, requires a separate account, and leaves rates, minimums, and due dates to the user.
• Browser-based mobile access only: home-screen installation is available, but there are no dedicated Android or iOS apps.
• One set of accounts per account: tracking another set requires a separate email account, which adds friction for users managing multiple portfolios.

Alternatives

Debt Payoff Planner is worth considering for readers who want a free plan across Android, iOS, and web, with a Pro option from $2/month for more complex situations.

Payoff may suit someone who wants mobile apps and a free plan limited to two debts, with snowball and avalanche strategies, reminders, milestone celebrations, and five AI coach messages per month.

Debt Ladder is an option for mobile users who want a free tier capped at three debts, with a monthly check-in, debt-free date, and reminders.

Monnelia offers free access across Android, iOS, and web, with a premium option for people who want to unlock all features.

Debt Payoff Planner: Tracker is an iOS and web alternative whose free tier covers up to three debts, payment logging, reminders, and a debt-free estimate; it is made by an independent iOS developer.

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

Debt Organizer is a free iOS option.

Changed is a paid Android and iOS option, with an annual plan starting at $4/month.

Verdict

Choose Undebt.it if you want a free way to build a debt payoff plan and value having several strategies, balance tracking, and a projected debt-free date together. Undebt.it+ makes sense when its extra reminders and planning tools will help you keep to that plan. Look elsewhere if you need a dedicated mobile app or bank syncing that also handles repayment terms such as interest rates and due dates.