Debt payoff comparison
Changed vs Undebt.it
Updated
Undebt.it
Debt payoff app
Visit site for Undebt.it (opens in a new tab)Undebt.it is a web-based debt payoff planner and tracker with a free plan and an optional Undebt.it+ membership.
Priceless Tay may earn a commission from some links on this page, and that never changes how we compare apps.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Short answer
Changed and Undebt.it are both debt payoff apps. Changed lists plans from $6 a month on its website, while Undebt.it is free to use. We checked both on Oct 24, 2026, and the official sources differ on 6 of the 9 rows in the table below.
Changed vs Undebt.it at a glance
Changed and Undebt.it are both debt payoff apps. This page puts what each company's official pages and app store listings say side by side, with the date we checked every fact. The sources differ on 6 of the 9 rows in the table below.
Price and fees
Changed lists plans from $6 a month on its website. Undebt.it is free to use. Undebt.it+ costs $10 a year. We checked both on Oct 24, 2026.
Free trial
Undebt.it+ has a 30-day free trial, and you don't need a credit card to start it. We haven't verified this for Changed yet, so check the official site for Changed before you decide. We checked Undebt.it on Oct 24, 2026.
Platforms
Changed lists iOS. Undebt.it lists Web, iPhone (home screen install) and Android (home screen install). We checked both on Oct 24, 2026.
Bank syncing
Changed links your loans and the bank and spending accounts you want it to track for round-ups. Undebt.it+ only. Undebt.it doesn't connect directly to your bank, but Undebt.it+ can pull in balances and transactions from YNAB or through SimpleFIN. We checked both on Oct 24, 2026.
Payoff methods
Changed lists these payoff methods: Debt Snowball, Debt Avalanche and Custom Plans. Undebt.it lists these payoff methods: Debt Snowball, Debt Avalanche (Stacking), Debt Hybrid (Debt-to-Interest Ratio), Cash Flow Index (CFI), Highest Monthly Payment, Highest Credit Utilization, Highest Monthly Interest Paid and Your Own Custom Plan. We checked both on Oct 24, 2026.
Debt-free date
Yes. Changed says its built-in debt calculator estimates your payoff timeline and how much interest you can save. Yes. Undebt.it builds a month-by-month payoff schedule with a debt-free date on it. We checked both on Oct 24, 2026.
Extra payments
Yes. You can schedule extra payments or send one-off Boost payments, on top of the round-ups from your purchases. Yes. You can add an extra payment to your plan, plus one-off extra payments that Undebt.it calls Debt Snowflakes. We checked both on Oct 24, 2026.
Payment reminders
Undebt.it+ only. Undebt.it+ sends payment reminders by text message and push notification. We haven't verified this for Changed yet, so check the official site for Changed before you decide. We checked Undebt.it on Oct 24, 2026.
App store rating
Changed has 4.6 out of 5 on the App Store from 5,654 ratings. We haven't verified this for Undebt.it yet, so check the official site for Undebt.it before you decide. We checked Changed on Oct 24, 2026. Store ratings are a dated snapshot from each listing, not our score.
What it costs
ChangedChanged lists plans from $6 a month on its website.
As of · gochanged.com
- Undebt.it
$10a year
Undebt.it is free to use. Undebt.it+ costs $10 a year.
Cost over 1 and 3 years: $10 and $30, at the yearly list price before tax.
Bars show only when every app here lists a yearly price, so these prices sit side by side without them. Prices are list prices from each app's own page, before tax and any offer.
At a glance
Free trial
- Changed
- Not verified yet
- Undebt.it
- 30 days
Source
- Changed: Not verified yet.
- Undebt.it+ has a 30-day free trial, and you don't need a credit card to start it. undebt.it/pricing-features-reviews.php, as of Oct 24, 2026.
App Store rating
- Changed
- 4.65,654 ratings
- Undebt.it
- Not verified yet
Source
- Changed has 4.6 out of 5 on the App Store from 5,654 ratings. App Store listing, as of Oct 24, 2026.
- Undebt.it: Not verified yet.
Platforms
- Changed
- iOS
- Undebt.it
- Web
- iPhone (home screen install)
- Android (home screen install)
Source
- Changed lists iOS. App Store listing, as of Oct 24, 2026.
- Undebt.it lists Web, iPhone (home screen install) and Android (home screen install). undebt.it/faq-article.php, as of Oct 24, 2026.
Bank syncing
- Changed
- Yes
- Undebt.it
- Undebt
Source
- Yes. Changed links your loans and the bank and spending accounts you want it to track for round-ups. gochanged.com/how-it-works, as of Oct 24, 2026.
- Undebt.it+ only. Undebt.it doesn't connect directly to your bank, but Undebt.it+ can pull in balances and transactions from YNAB or through SimpleFIN. undebt.it/pricing-features-reviews.php, as of Oct 24, 2026.
Payoff methods
- Changed
- Debt Snowball
- Debt Avalanche
- Custom Plans
- Undebt.it
- Debt Snowball
- Debt Avalanche (Stacking)
- Debt Hybrid (Debt-to-Interest Ratio)
- Cash Flow Index (CFI)
- Highest Monthly Payment
- Highest Credit Utilization
- Highest Monthly Interest Paid
- Your Own Custom Plan
Source
- Changed lists these payoff methods: Debt Snowball, Debt Avalanche and Custom Plans. App Store listing, as of Oct 24, 2026.
- Undebt.it lists these payoff methods: Debt Snowball, Debt Avalanche (Stacking), Debt Hybrid (Debt-to-Interest Ratio), Cash Flow Index (CFI), Highest Monthly Payment, Highest Credit Utilization, Highest Monthly Interest Paid and Your Own Custom Plan. undebt.it, as of Oct 24, 2026.
Debt-free date
- Changed
- Yes
- Undebt.it
- Yes
Source
- Yes. Changed says its built-in debt calculator estimates your payoff timeline and how much interest you can save. App Store listing, as of Oct 24, 2026.
- Yes. Undebt.it builds a month-by-month payoff schedule with a debt-free date on it. undebt.it/pricing-features-reviews.php, as of Oct 24, 2026.
Extra payments
- Changed
- Yes
- Undebt.it
- Yes
Source
- Yes. You can schedule extra payments or send one-off Boost payments, on top of the round-ups from your purchases. gochanged.com/how-it-works, as of Oct 24, 2026.
- Yes. You can add an extra payment to your plan, plus one-off extra payments that Undebt.it calls Debt Snowflakes. undebt.it, as of Oct 24, 2026.
Payment reminders
- Changed
- Not verified yet
- Undebt.it
- Undebt
Source
- Changed: Not verified yet.
- Undebt.it+ only. Undebt.it+ sends payment reminders by text message and push notification. undebt.it/plus-info.php, as of Oct 24, 2026.
Features
We haven't verified a feature list for either app yet, so this grid is empty for now.
✓ means the official site lists it. ? means we haven't verified it yet, not that the app lacks it.
Screen by screen
Pick a task to see what each app shows for it. App Store and Google Play images are the apps' own marketing, so they can show sample data and staged layouts. Help center images come from the app's support articles. See every app's screens.
Other screens
Changed
App Store marketing imageApp Store image 1 of 4 from the Changed listing.App Store listing, as of 
App Store marketing imageApp Store image 2 of 4 from the Changed listing.App Store listing, as of 
App Store marketing imageApp Store image 3 of 4 from the Changed listing.App Store listing, as of 
App Store marketing imageApp Store image 4 of 4 from the Changed listing.App Store listing, as of
Undebt.it
No official screen found yet
Changed and Undebt.it, side by side
Rows marked “Differs” are where the official sources say different things, and 6 rows do here.
Swipe the table sideways to see both apps.
| Field | ChangedDebt payoff appChanged is a debt payoff app that rounds up your purchases and sends the spare change to your debts as extra payments.Visit Changed's site | Undebt.itDebt payoff appUndebt.it is a web-based debt payoff planner and tracker with a free plan and an optional Undebt.it+ membership.Visit Undebt.it's site |
|---|---|---|
| Price and feesDiffers | Changed lists plans from $6 a month on its website.As of Oct 24, 2026. Source: gochanged.com | Undebt.it is free to use. Undebt.it+ costs $10 a year.As of Oct 24, 2026. Source: undebt.it/pricing-features-reviews.php |
| Free trial | Not verified yet. | Undebt.it+ has a 30-day free trial, and you don't need a credit card to start it.As of Oct 24, 2026. Source: undebt.it/pricing-features-reviews.php |
| PlatformsDiffers | Changed lists iOS.As of Oct 24, 2026. Source: App Store listing | Undebt.it lists Web, iPhone (home screen install) and Android (home screen install).As of Oct 24, 2026. Source: undebt.it/faq-article.php |
| Bank syncingDiffers | Yes. Changed links your loans and the bank and spending accounts you want it to track for round-ups.As of Oct 24, 2026. Source: gochanged.com/how-it-works | Undebt.it+ only. Undebt.it doesn't connect directly to your bank, but Undebt.it+ can pull in balances and transactions from YNAB or through SimpleFIN.As of Oct 24, 2026. Source: undebt.it/pricing-features-reviews.php |
| Payoff methodsDiffers | Changed lists these payoff methods: Debt Snowball, Debt Avalanche and Custom Plans.As of Oct 24, 2026. Source: App Store listing | Undebt.it lists these payoff methods: Debt Snowball, Debt Avalanche (Stacking), Debt Hybrid (Debt-to-Interest Ratio), Cash Flow Index (CFI), Highest Monthly Payment, Highest Credit Utilization, Highest Monthly Interest Paid and Your Own Custom Plan.As of Oct 24, 2026. Source: undebt.it |
| Debt-free dateDiffers | Yes. Changed says its built-in debt calculator estimates your payoff timeline and how much interest you can save.As of Oct 24, 2026. Source: App Store listing | Yes. Undebt.it builds a month-by-month payoff schedule with a debt-free date on it.As of Oct 24, 2026. Source: undebt.it/pricing-features-reviews.php |
| Extra paymentsDiffers | Yes. You can schedule extra payments or send one-off Boost payments, on top of the round-ups from your purchases.As of Oct 24, 2026. Source: gochanged.com/how-it-works | Yes. You can add an extra payment to your plan, plus one-off extra payments that Undebt.it calls Debt Snowflakes.As of Oct 24, 2026. Source: undebt.it |
| Payment reminders | Not verified yet. | Undebt.it+ only. Undebt.it+ sends payment reminders by text message and push notification.As of Oct 24, 2026. Source: undebt.it/plus-info.php |
| App store rating | Changed has 4.6 out of 5 on the App Store from 5,654 ratings.As of Oct 24, 2026. Source: App Store listing | Not verified yet. |
App store ratings are a dated snapshot from each store listing, not our score. “Not verified yet” means we don't have a current official source for that line. How we source and date this data. Spotted a change? Tell us if something changed.
Weighing a third option? Add up to two more apps to this table and compare up to four side by side.
Who it's for
Pick the tab that sounds like you. The questions come from app help centers, FAQ pages and user forums, and every answer comes from the app's own pages, with the date we checked it.
Just me
Budgeting on your own? These are the basics people ask about first.
Is it free?
Does it connect to my bank and import transactions?
Changed
Yes. Changed links your loans and the bank and spending accounts you want it to track for round-ups.
As of . Source: gochanged.com
Undebt.it
Undebt.it+ only. Undebt.it doesn't connect directly to your bank, but Undebt.it+ can pull in balances and transactions from YNAB or through SimpleFIN.
As of . Source: undebt.it
Can I export my data?
Changed
Not verified yet
Undebt.it
Yes. You can export your data.
In their words: “Export payoff plan to Excel”
As of . Source: undebt.it
Is there support from the app's makers if I need help?
Changed
Yes. Message form and help center.
In their words: “Didn't find the answers you're looking for? Need some additional help? We're here to answer the questions you have.”
As of . Source: gochanged.com
Undebt.it
Yes. Email and contact form.
In their words: “E-mail: jeff@undebt.it”
As of . Source: undebt.it
Business
Running a small business? Here's what each app says about business money.
Can I share my finances with my accountant?
Changed
Not verified yet
Undebt.it
Yes. You can export your data and send the file.
In their words: “Export payoff plan to Excel”
As of . Source: undebt.it
“Not verified yet” means we haven't found a current official source that answers it, not that the app can't. We only say no when the app's own page does.
Which fits your Money Type?
There are four Money Types: Strategist, Spender, Saver and Scrambler. Each card matches one type to what the sources say about these two apps.
StrategistNeither app's sources confirm a feature we match to this type yet, so the quiz is the better place to start.
First fix: Save the Raise.
SpenderNeither app's sources confirm a feature we match to this type yet, so the quiz is the better place to start.
First fix: Sleep on It.
SaverNeither app's sources confirm a feature we match to this type yet, so the quiz is the better place to start.
First fix: Put It to Work.
ScramblerBoth Changed and Undebt.it list bank syncing. Seeing every account in one place helps a Scrambler pay bills first.
First fix: Bills First.
Not sure which one you are? Take the free Money Types quiz. It takes about two minutes.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Another option: Fifecta
If neither Changed nor Undebt.it feels right, here is one more option to look at. Fifecta gives every paycheck a plan with FUNDS, and it starts from your Money Type, so the plan matches how you already handle money.
FAQ
How much does Changed cost?
Changed lists plans from $6 a month on its website. We checked this on Oct 24, 2026.
How much does Undebt.it cost?
Undebt.it is free to use. Undebt.it+ costs $10 a year. We checked this on Oct 24, 2026.
What is Changed's app store rating?
Changed has 4.6 out of 5 on the App Store from 5,654 ratings. That's a snapshot from the store listing on Oct 24, 2026, not our score.
Does Undebt.it have a free trial?
Undebt.it+ has a 30-day free trial, and you don't need a credit card to start it. We checked this on Oct 24, 2026.
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Keep comparing
- See Changed alternatives, closest category first.
- See Undebt.it alternatives, closest category first.
- Want the bigger picture? Compare more money apps.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Want a plan built on your Money Type?
Fifecta gives every paycheck a plan with FUNDS, so you know where each dollar goes.
Sources and confidence
- Last checked
- Not verified yet
- 3 of 18 facts
Changed7 of 9 verified, 2 not verified yet, last checked Oct 24, 2026
- Price and feesgochanged.com, as of Oct 24, 2026
- Free trialNot verified yet
- PlatformsApp Store listing, as of Oct 24, 2026
- Bank syncinggochanged.com/how-it-works, as of Oct 24, 2026
- Payoff methodsApp Store listing, as of Oct 24, 2026
- Debt-free dateApp Store listing, as of Oct 24, 2026
- Extra paymentsgochanged.com/how-it-works, as of Oct 24, 2026
- Payment remindersNot verified yet
- App store ratingApp Store listing, as of Oct 24, 2026
Undebt.it8 of 9 verified, 1 not verified yet, last checked Oct 24, 2026
- Price and feesundebt.it/pricing-features-reviews.php, as of Oct 24, 2026
- Free trialundebt.it/pricing-features-reviews.php, as of Oct 24, 2026
- Platformsundebt.it/faq-article.php, as of Oct 24, 2026
- Bank syncingundebt.it/pricing-features-reviews.php, as of Oct 24, 2026
- Payoff methodsundebt.it, as of Oct 24, 2026
- Debt-free dateundebt.it/pricing-features-reviews.php, as of Oct 24, 2026
- Extra paymentsundebt.it, as of Oct 24, 2026
- Payment remindersundebt.it/plus-info.php, as of Oct 24, 2026
- App store ratingNot verified yet
Each fact links to the official page it came from, with the date we checked it. Once a fact is older than its app's window (8 days for apps whose rates change often, 35 days for the rest), it reads “Not verified yet” until we check it again. How we source, date and index this data.
This is education, not financial advice.
