Undebt.it
Undebt.it: A flexible debt planner for people who want strategy comparisons, schedules, and balance tracking. Ranked #1 of 23 in Debt Management Software by our editors (9.4/10); pricing: Free plan · paid from $10/yr · 30-day trial; best for people wanting comprehensive debt planning.
At a glance
- Editor score9.4 / 10
- PricingFree plan · paid from $10/yr · 30-day trial
- Best forPeople wanting comprehensive debt planning
- Free planYes
- Founded2012
- Facts checked20 Sep 2026
Where it wins
- Supports snowball, avalanche, hybrid, cash-flow, and custom strategies
- Generates payoff schedules, debt-free dates, comparisons, and Excel exports
- Undebt.it+ adds bill tracking, calendars, YNAB, SimpleFIN, and AI planning
Where it doesn't
- Premium integrations and AI planning require Undebt.it+
- Phone access is an installable web app rather than an app-store download
- The service is focused on debt planning rather than broader financial management
Our verdict on Undebt.it
Undebt.it is a web-based debt payoff planner and tracker for individuals managing multiple debts. Users enter balances, interest rates, minimum payments, and budgets to generate repayment schedules and estimated debt-free dates. The service supports familiar snowball and avalanche methods alongside hybrid, cash-flow, utilization-based, interest-based, and custom plans. It also records payments, updates balances and due dates, adds one-time extra payments through Debt Snowflakes, compares repayment methods, and exports payoff tables to Excel. That range makes it a fit for people who want to compare repayment approaches rather than follow a single preset formula.
The Free plan covers debt payoff planning, payment tracking, and multiple payoff methods. Undebt.it+ costs $10 per year with annual billing and adds bill tracking, payoff snapshots, YNAB integration, Undeb.AI, calendar synchronization, and bank synchronization through SimpleFIN. A 30-day Undebt.it+ trial is available without a credit card, and the paid price is non-recurring. The pricing structure keeps core planning available at no cost while reserving account synchronization, recurring-bill tools, historical views, and AI-assisted planning for the paid tier.
Its standout capability is the breadth of repayment modeling: users can compare strategies, adjust balances and due dates as payments are recorded, and account for extra payments. The paid tier also connects planning with recurring bills and calendars through Google Calendar, Apple Calendar/iCloud, and Outlook, while YNAB and SimpleFIN support broader account workflows. Undeb.it is a strong choice for people who want detailed payoff planning at a low annual price. Someone seeking a full financial-management platform, or a conventional app-store mobile app, should consider a different type of tool.
Undebt.it pricing
All 2 Undebt.it plans and prices →
Undebt.it fact sheet
| Free plan | Yes |
|---|---|
| Paid from | Not verified |
| Debt account limit | Not verified |
| Payoff strategies | Both |
| Balance tracking | Yes |
| Creditor tracking | Not verified |
| Counselor workspace | Not verified |
| Mobile apps | No |
| Free trial | 30 days · no card needed |
| Deployment | Cloud, Mobile |
| Platforms | Web, iOS, Android |
| Support | Email, Tickets, Docs |
| Built for | Solo, Small business (editorial estimate) |
| Integrations | 5 integrations: YNAB, SimpleFIN, Google Calendar, Apple Calendar/iCloud, Outlook |
| Pricing | Free plan · paid from $10/yr · 30-day trial (source) |
| Website | undebt.it |
| Facts checked | 20 Sep 2026 |
Undebt.it integrations
Undebt.it lists 5 integrations on its own site.
- YNAB
- SimpleFIN
- Google Calendar
- Apple Calendar/iCloud
- Outlook
Alternatives to Undebt.it
- Debt Payoff PlannerA low-cost debt planner with flexible payoff strategies and progress tracking.8.8
- PayoffA mobile debt planner with broad strategies, coaching, and scenario tools.8.5
- Debt LadderA focused mobile planner for comparing payoff paths and projecting debt-free dates.7.7
See all Undebt.it alternatives →
Undebt.it vs the competition
- Undebt.it vs Debt Payoff Planner
- Undebt.it vs Payoff
- Undebt.it vs Debt Ladder
- Undebt.it vs Debt Organizer
- Undebt.it vs Debt Payoff Planner: Tracker
- Undebt.it vs DebtClear
Compare Undebt.it with any tool side by side →
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Reviewed by iTechGuides Editors · Editorial team · Updated Sep 2026
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