Undebt.it

Undebt.it is a debt payoff planner for people who want to organize repayments across multiple debts. It suits borrowers who value a choice of payoff strategies and are comfortable managing money in a browser. Its free core planner is useful; the main reason to pay is access to extra tracking and scenario tools.

Overview

Undebt.it builds rollover payoff plans, tracks payments and balances, and projects a debt-free date. Eight methods include snowball, avalanche, hybrid, cash flow index, and custom plans, giving borrowers room to prioritize debts in different ways. The free snowball calculator can produce a one-off plan without an account, while a free account provides the core planner. The service began in 2012 as a personal debt-management project.

For more options, browse our Debt Management Software list.

Key features

The strategy range is a practical strength: borrowers can compare familiar approaches such as snowball and avalanche with hybrid or custom plans. Balance and payment tracking, alongside a projected debt-free date, help make progress visible. Undebt.it+ adds bill tracking, payoff snapshots, calendar views, reminders, what-if scenarios, and other tools. Those additions are most useful to people who want an ongoing planning workspace; they are not necessary for someone who only needs a basic payoff plan.

Undebt.it+ can sync balances through SimpleFIN and optionally import transactions once nightly. The connection is read-only, requires a separate SimpleFIN Bridge account, and does not sync interest rates, minimum payments, or due dates. Users therefore still need to enter or maintain key planning details themselves. The YNAB integration can update balances and import payment and purchase transactions.

The maker says users enter account details themselves and the service does not request bank or 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. An FAQ and help center, email address, and contact form provide support. One account is intended for one set of accounts; tracking another set requires a separate email account.

Pricing

Undebt.it Free: free, billed Free to use. It includes the core debt payoff planner and free debt snowball calculator, with a 30-day free trial of Undebt.it+ available to account holders. This is the sensible starting point for borrowers who want ongoing basic planning without a subscription, but it does not include the premium tools.

Undebt.it+: $10 a year, billed $10/year. This is a single, non-recurring access fee for one year, manually renewed. It unlocks premium features including bill tracking, snapshots, calendar views, reminders, what-if scenarios, and SimpleFIN sync. The annual fee and manual renewal avoid an automatic recurring charge, though access is limited to the purchased year unless renewed.

Platforms

Undebt.it is available on the web and can be installed on iPhone and Android home screens through a browser. It has no dedicated mobile apps, so people seeking a native app should look elsewhere. Browser-based access keeps it usable across the listed mobile platforms, but it is a different proposition from an installed app experience.

Who it's for

Undebt.it is a strong fit for borrowers who want to compare payoff methods, keep balances and payments organized, and follow a projected repayment timeline. The free planner suits people who can manage a straightforward plan manually. Undebt.it+ is more appropriate for those who will use its reminders, calendar, scenarios, or balance syncing. It is less suited to users who need a fully automatic bank connection or dedicated mobile apps: SimpleFIN has account and data limits, and the mobile access is browser-based.

Pros and cons

• Pros: Eight payoff methods, including custom plans, let users choose how to prioritize debts.
• Pros: A free calculator works without an account, and the free account includes the core planner.
• Pros: The $10/year premium access is manually renewed rather than recurring automatically.
• Cons: SimpleFIN requires a separate Bridge account and omits interest rates, minimum payments, and due dates.
• Cons: Mobile access is through a browser rather than a dedicated app.
• Cons: One account is intended for one set of accounts, so another set needs a separate email account.

Alternatives

Debt Payoff Planner is another freemium option for Android, iOS, and web, with a free plan and a Pro plan from $2/month. Consider it if you prefer that pricing structure and platform mix.

Monnelia offers free access and an annual Premium plan billed at $1.99 per month when paid annually ($23.90 per year), across Android, iOS, and web. It may suit borrowers comparing a different annual premium price.

Debt Ladder is a free Android and iOS option whose free plan covers up to three debts, monthly check-ins, a debt-free date, and reminders. Its monthly plan offers unlimited debts; choose it if a three-debt cap is enough to start.

Debt Organizer is a free iPhone and iPad app requiring iOS 26.2 or later or iPadOS 26.2 or later. It is an alternative for Apple users who want a free app and meet that operating-system requirement.

Debt Payoff Planner: Tracker is a freemium iOS and web option with a free tier covering up to three debts, payment logging, reminders, and a debt-free estimate. Consider it if that smaller free allowance matches your needs.

Payoff has Android and iOS apps and a free plan covering two debts, snowball and avalanche strategies, five AI coach messages per month, reminders, and milestone celebrations. It is a fit for someone whose needs fall within those free limits.

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

FinEase Advocate Portal is a web service with a free invited plan for one lender and 1 GB storage, plus a $59 a month Solo plan with unlimited lender access, 10 GB storage, AFCA tools, reporting, and analytics.

Verdict

Choose Undebt.it if you want a free, flexible debt payoff planner and are willing to manage it through a browser; its range of strategies is the clearest reason to start here. Upgrade to Undebt.it+ if its added reminders, scenarios, calendar, or syncing will support your routine. Look elsewhere if you need dedicated mobile apps or a bank sync that supplies all the details needed to maintain a plan.