Undebt.it

Undebt.it stands apart from most budgeting apps because it was built to answer one specific question: when will you be completely debt-free? The site is the work of one developer who started it in February 2012 to solve his own debt problem, and he still runs it solo. He built it in PHP and has been adding to it ever since, which means the app has spent more than a decade getting battle-tested on real users' finances rather than shipping features to chase market trends.

The core premise is simple: you enter your debt balances, interest rates, and minimum payments, choose a payoff strategy, and the tool generates a month-by-month schedule showing exactly when you'll owe nothing. From there, you log payments as you make them and the plan recalculates itself. A spreadsheet doesn't do this part, a spreadsheet stops updating once you close it. Undebt.it keeps itself current as your balances change.

The app offers 8 different payoff methods to choose from, including the widely-known debt snowball (smallest balance first) and debt avalanche (highest interest rate first). You can compare these side by side before committing to one. The interface shows your debt-free date front and center, keeping it constantly in view as motivation.

How It Handles Money Coming In

This is the crucial difference between a tool like Undebt.it and a full budgeting app. Undebt.it does not sync with your bank. You enter your balances yourself, and they stay current only as long as you update them manually. That means there is no automatic pull of transactions, no permission required from your bank, and no storing of banking credentials anywhere on Undebt.it's servers.

The paid tier, Undebt.it+ ($10 per year), adds an optional SimpleFIN bank sync that changes this picture. SimpleFIN is a read-only bridge that connects your bank on your terms. You set up the connection inside SimpleFIN and paste a one-time token into Undebt.it. The bridge stays live after that with nothing to re-enter and no bank password ever touching Undebt.it. Starting from that point, Undebt.it+ pulls your current balance on every mapped account every night, rewrites it to the matching debt, and recalculates your payoff plan. You wake up to a schedule built on actual numbers.

If you turn on transaction imports for an account, payments you make and charges you rack up land on that debt automatically. The first import backfills the last 90 days so your history isn't blank on day one. The integration is read-only by design, SimpleFIN shares only balances and transactions, nothing else.

For YNAB users, Undebt.it has offered a direct integration since 2018 that hooks into that app's data. For everyone else, SimpleFIN is the way to link a bank without manual updates.

How the Budgeting Works

The core debt tracker does one job well: calculate your payoff date based on the balances, interest rates, and minimum payments you enter. Once you pick a strategy (snowball, avalanche, or one of six others), the planner shows you the month-by-month breakdown and recalculates every time you log a payment or adjust an amount.

Undebt.it+ adds a Bill Tracker that works alongside the debt calculator. You can record bills and track which ones have been paid, and both features show up on the same Plan.it dashboard that was added in September 2026. Plan.it gives you a weekly to-do list style view where debts and bills are rolled together, plus a monthly view broken into weekly buckets so you can see the whole month and still keep focus. Clicking a checkbox brings up a payment screen, and if your payment is enough to complete the task it crosses off immediately. You can use a date-range selector to see future weeks and spot bills marked as "expected" that haven't arrived yet.

Undebt.it+ also includes a 52-week Savings Challenge for building a savings habit alongside debt payoff, Undebt.AI which generates a payoff plan using AI based on your numbers, Debt Payoff Snapshot Stories (a way to share progress visually), SMS reminders for bill tracking, and the ability to set interest rates as "promo" rates so you can model what happens when a temporary offer expires.

The free tier gets the debt calculator, unlimited accounts, multiple payoff methods, an Excel export, and the ability to compare methods. It's not a crippled demo, it's genuinely usable for years.

What It Costs

Undebt.it Free is $0 and always has been. The calculator, the schedule, unlimited debts, and the Excel export are all on the free tier forever. There are no ads on the free version.

Undebt.it+ is $10 per year, not per month. The pricing page emphasizes this because so many apps use yearly pricing and call it monthly. Plus members get no ads, the 52-week savings challenge, YNAB account linking, debt payoff snapshot stories, Undebt.AI, bill tracking with SMS reminders, and now the Plan.it dashboard. There is a 30-day fully functional trial you can activate anytime without entering a card.

The site says member information is never sold. It uses cookieless privacy-first analytics rather than advertising trackers. The calculators carry no ads at all.

What Undebt.it Doesn't Do

The site is explicit about this. Undebt.it does not negotiate with creditors on your behalf. It does not manage a line of credit, issue credit products, or broker credit. It does not offer financial advice. It is a calculation and tracking tool. If your debt is tax-deductible (rare in the US), the site notes this but doesn't handle the accounting.

It doesn't recommend whether to use snowball or avalanche, it shows both so you can decide which fits your temperament (snowball wins psychologically for some; avalanche saves the most interest). The site is built around your own numbers and your own choices.

Who It Suits

Undebt.it is for someone who wants to see a debt-free date and watch it move as they adjust payments, without getting trapped in a broader budgeting app they'll use forever. The whole tool is scoped around one finish line: the month your balances hit zero. If you have a handful of debts and you want to model different payoff speeds before committing, or if you want to track progress without taking on a full budget, this is the fit.

The lack of bank sync on the free tier means you're comfortable with manual data entry, or the free version is a trial to see if the $10-a-year sync is worth it. Either way, the 30-day trial lets you try the paid tier with no risk.

The site keeps itself unusually simple for a personal finance tool. It was built to do one thing well and hasn't chased feature bloat to compete with YNAB or Mint. That focus is either a strength or a limitation depending on what you need.