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Undebt.it
What it is
Undebt.it creates rollover debt payoff 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 debt snowball calculator can produce a one-off plan without an account. The free plan includes the core payoff planner; Undebt.it+ adds bill tracking, payoff snapshots, calendar views, reminders, what-if scenarios, and other tools.
Undebt.it+ costs $10/year as a single, non-recurring access fee for one year, manually renewed. Account holders can use a 30-day trial. The service runs on the web and can be installed on iPhone and Android home screens through a browser, but it has no mobile apps. Undebt.it+ can sync balances and optionally import transactions through SimpleFIN once nightly. 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.
For and against
For
- Offers eight payoff methods.
- Free calculator works without an account.
- Tracks payments, balances, and projected debt-free dates.
- Undebt.it+ includes bill tracking and reminders.
- YNAB integration can update balances and import transactions.
Against
- Undebt.it+ costs $10/year.
- Premium access lasts one year and must be manually renewed.
- SimpleFIN requires a separate Bridge account.
- SimpleFIN does not sync rates, minimums, or due dates.
The verdict
Undebt.it provides a free core planner and calculator, with additional tracking tools in a paid annual tier. Note the limits of SimpleFIN syncing and that the service has no mobile apps.
Who it suits
Undebt.it may suit people who want to plan debt payoff and track balances or payments. It also offers a no-account calculator for a one-off snowball plan.
Plans and prices
Undebt.it Free
Core debt payoff planner · free debt snowball calculator · 30-day free trial of Undebt.it+ available to account holders
Read 30 Sep 2026 · undebt.it
Undebt.it+
Premium features · access for one year · manually renewed
Read 30 Sep 2026 · undebt.it
On the record
- 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 · read 30 Sep 2026
- Bank sync
- Undebt.it+ can sync balances and optionally import transactions through SimpleFIN once nightly.undebt.it · read 30 Sep 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 · read 30 Sep 2026
- Calculator
- The free debt snowball calculator can create a one-off plan without an account.undebt.it · read 30 Sep 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 · read 30 Sep 2026
- Maker and launch
- The maker says Undebt.it began on February 28, 2012 as a personal debt-management side project.undebt.it · read 30 Sep 2026
- Mobile access
- The site can be installed on iPhone and Android home screens from a browser as an app.undebt.it · read 30 Sep 2026
- Payoff methods
- It lists eight payoff methods, including snowball, avalanche, hybrid, cash flow index, and custom plans.undebt.it · read 30 Sep 2026
- Premium features
- Undebt.it+ includes bill tracking, payoff snapshots, calendar views, reminders, what-if scenarios, and other tools.undebt.it · read 30 Sep 2026
- Privacy
- The privacy policy says user personal identification information is not sold or shared with third parties.undebt.it · read 30 Sep 2026
- Purpose
- Undebt.it generates rollover debt payoff plans and tracks payments, balances, and projected debt-free dates.undebt.it · read 30 Sep 2026
- Security
- The privacy policy says passwords are not stored in plaintext and data transfers use SSL encryption.undebt.it · read 30 Sep 2026
- Support
- The site provides an FAQ and help center and lists an email address and contact form.undebt.it · read 30 Sep 2026
- YNAB integration
- The YNAB integration can update balances and import payment and purchase transactions.undebt.it · read 30 Sep 2026
