Undebt.it creates rollover debt payoff plans and tracks payments, balances, and estimated debt-free dates. It offers eight payoff methods, including snowball, avalanche, hybrid, cash flow index, and custom plans. A free snowball calculator can make a one-off plan without an account. The free plan includes the core planner; Undebt.it+ adds bill tracking, payoff snapshots, calendar views, reminders, and what-if scenarios. Undebt.it+ costs $10/year for one year of access, as a single, non-recurring fee that must be manually renewed; account holders can use a 30-day trial. The service works on the web and can be added to 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. That read-only connection needs 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. Users enter account details themselves; the maker says it does not request bank or credit-card login credentials.
Who it is for
It suits people who want to compare payoff approaches and track debt progress. The free calculator can be used without an account, while premium tools and nightly SimpleFIN sync are for users who want additional tracking options.
What is good
- Eight payoff methods, including custom plans.
- Free snowball calculator works without an account.
- Free plan includes the core planner.
- YNAB integration can update balances and import transactions.
- Passwords are not stored in plaintext, per the privacy policy.
What to know first
- No dedicated mobile apps.
- SimpleFIN requires a separate Bridge account.
- SimpleFIN does not sync rates, minimums, or due dates.
- Undebt.it+ costs $10/year and requires manual renewal.
Verdict
Undebt.it offers a free core planner and a range of payoff methods, with optional premium tracking tools. Its mobile access is browser-based, and SimpleFIN sync has defined data and account requirements.
Undebt.it plans and pricing
All plansCompared on debt management software
- Free plan
- Yes
- Payoff strategies
- both
- Balance tracking
- Yes
- Mobile apps
- No
