Undebt.it
- Android app
- Yes
- Free plan
- Yes
- Paid plans from
- $0.83/mo
- Runs on
- Android, iOS, Web
Summary
Undebt.it is a debt payoff planner that creates rollover plans and tracks payments, balances, and projected debt-free dates. It offers eight payoff methods, including snowball, avalanche, hybrid, cash flow index, and custom plans. A free snowball calculator can create 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/year for one year of access, with a single non-recurring fee that must be manually renewed; account holders can try it for 30 days. It is available on the web and can be added to an iPhone or Android home screen through a browser, though it has no mobile apps. Undebt.it+ can sync balances and optionally import transactions once nightly through SimpleFIN. This read-only sync requires a separate SimpleFIN Bridge account and excludes interest rates, minimum payments, and due dates. A YNAB integration can update balances and import payment and purchase transactions.
Who it is for
It suits people who want to compare payoff approaches and track debt balances and projected payoff dates. Those who need bill tracking or nightly balance sync can consider Undebt.it+ and its SimpleFIN requirements.
What is good
- Free snowball calculator works without an account.
- Lists eight payoff approaches, including custom plans.
- Undebt.it+ includes reminders and what-if scenarios.
- YNAB integration can update balances and import transactions.
What to know first
- No dedicated mobile apps are listed.
- SimpleFIN requires a separate Bridge account.
- SimpleFIN does not sync rates, minimums, or due dates.
- Undebt.it+ access must be manually renewed.
Verdict
Undebt.it combines several payoff strategies with balance and payment tracking, and its free calculator allows a one-off plan without registration. Premium tools add planning options and integrations, but SimpleFIN has defined limits and requires a separate account.
Undebt.it plans and pricing
All plansCompared on debt management software
Facts
- Purpose
- Undebt.it generates rollover debt payoff plans and tracks payments, balances, and projected debt-free dates.undebt.it · 30 Sept 2026
- Payoff methods
- It lists eight payoff methods, including snowball, avalanche, hybrid, cash flow index, and custom plans.undebt.it · 30 Sept 2026
- Calculator
- The free debt snowball calculator can create a one-off plan without an account.undebt.it · 30 Sept 2026
- Premium features
- Undebt.it+ includes bill tracking, payoff snapshots, calendar views, reminders, what-if scenarios, and other tools.undebt.it · 30 Sept 2026
- Mobile access
- The site can be installed on iPhone and Android home screens from a browser as an app.undebt.it · 30 Sept 2026
- Bank sync
- Undebt.it+ can sync balances and optionally import transactions through SimpleFIN once nightly.undebt.it · 30 Sept 2026
- Bank sync limits
- SimpleFIN sync is read-only, requires a separate SimpleFIN Bridge account, and does not sync interest rates, minimum payments, or due dates.undebt.it · 30 Sept 2026
- YNAB integration
- The YNAB integration can update balances and import payment and purchase transactions.undebt.it · 30 Sept 2026
- Data collection
- The maker says the service does not ask for bank or credit-card login credentials and that account details are entered by the user.undebt.it · 30 Sept 2026
- Security
- The privacy policy says passwords are not stored in plaintext and data transfers use SSL encryption.undebt.it · 30 Sept 2026
- Privacy
- The privacy policy says user personal identification information is not sold or shared with third parties.undebt.it · 30 Sept 2026
- Support
- The site provides an FAQ and help center and lists an email address and contact form.undebt.it · 30 Sept 2026
- Account limit
- The FAQ says one account is intended to track one set of accounts; a separate email account can be used for another set.undebt.it · 30 Sept 2026
- Maker and launch
- The maker says Undebt.it began on February 28, 2012 as a personal debt-management side project.undebt.it · 30 Sept 2026
Company
- Founded
- 2012undebt.it · 23 Sept 2026
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Sources
- undebt.it/how-undebt.it-works.php· checked 30 Sept 2026
- undebt.it· checked 30 Sept 2026
- undebt.it/plus-info.php· checked 30 Sept 2026
- undebt.it/faq.php· checked 30 Sept 2026
- undebt.it/bank-syncing-with-simplefin.php· checked 30 Sept 2026
- undebt.it/privacy-policy.php· checked 30 Sept 2026
- undebt.it/about.php· checked 30 Sept 2026