Debt payoff comparison
Changed vs Undebt.it
Updated
Data as of
Changed checked Undebt.it checked
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Changed
Debt payoff app
Visit site for Changed (opens in a new tab)
Undebt.it
Debt payoff app
Visit site for Undebt.it (opens in a new tab)
Short answer
- Pick Changed if you want an app from the App Store.
- Pick Undebt.it if you want a free version.
- The biggest difference is price: Undebt.it has a free version, and Changed lists $6 a month.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Changed vs Undebt.it at a glance
- Changed
- Price
- $6a month
- Rating
- 4.6 of 5App Store, 5,680 ratings
- Platforms
- 1iOS
- Undebt.it
- Price
- $10a year, or a free version
- Rating
- Not ratedWeb app you install from the browser, not in app stores
- Platforms
- 3Web, iPhone (home screen install), Android (home screen install)
What it costs
- Changed
$6a month
Changed's plans page lists Basic at $6 a month, Plus at $9 a month and Premium at $15 a month.
Source
gochanged.com/changed-plans, checked . - Undebt.it
$10a year
Undebt.it is free to use. Undebt.it+ costs $10 a year.
$10 a year at the yearly list price, or $30 over 3 years, before tax.
Source
undebt.it/pricing-features-reviews.php, checked .
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.
Changed and Undebt.it, side by side
| Detail | Changed | Undebt.it |
|---|---|---|
| PlatformsDiffers | ChangedChanged lists iOS. SourceApp Store listing, checked . | Undebt.itUndebt.it lists Web, iPhone (home screen install) and Android (home screen install). Sourceundebt.it/faq-article.php, checked . |
| Bank syncingDiffers | ChangedYes. Changed links your loans and the bank and spending accounts you want it to track for round-ups. Sourcegochanged.com/how-it-works, checked . | Undebt.itUndebt.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. Sourceundebt.it/pricing-features-reviews.php, checked . |
| Payoff methodsDiffers | ChangedChanged lists these payoff methods: Debt Snowball, Debt Avalanche and Custom Plans. SourceApp Store listing, checked . | Undebt.itUndebt.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. Sourceundebt.it, checked . |
| Debt-free dateDiffers | ChangedYes. Changed says its built-in debt calculator estimates your payoff timeline and how much interest you can save. SourceApp Store listing, checked . | Undebt.itYes. Undebt.it builds a month-by-month payoff schedule with a debt-free date on it. Sourceundebt.it/pricing-features-reviews.php, checked . |
| Extra paymentsDiffers | ChangedYes. You can schedule extra payments or send one-off Boost payments, on top of the round-ups from your purchases. Sourcegochanged.com/how-it-works, checked . | Undebt.itYes. You can add an extra payment to your plan, plus one-off extra payments that Undebt.it calls Debt Snowflakes. Sourceundebt.it, checked . |
| App store ratingDiffers | ChangedChanged has 4.6 out of 5 on the App Store from 5,680 ratings. SourceApp Store listing, checked . | Undebt.itWeb app you install from the browser, not in app stores. Sourceundebt.it/faq-article.php, checked . |
Store ratings are a dated snapshot from each listing, not our score. A row shows only when both apps have a current official source for it. 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 and compare up to four side by side.
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.
Home
Changed
App Store marketing imageApp Store image with the headline "Take Control" showing a tilted Home screen with a Changed Balance.App Store listing, as of
Undebt.it
From Undebt.it's websiteThe web Dashboard: projected debt-free date March 2034, $1,471.95 paid this month, a $286.00 snowball amount, $63,405.48 total balance across 6 debts and 12.5% credit utilization, with a Debt Payment Manager and a Bill Payment Manager below.undebt.it, as of 
From Undebt.it's websiteSummary cards: Projected Debt-Free Date March 2034 with an overall progress bar, and Paid This Month $1,471.95 of $1,056.00 with Snowball Amount $286.00.undebt.it, as of
Accounts
Changed
App Store marketing imageA tilted iPad Accounts screen with Roundups This Month +$38.39, a Bank of America account card, a Savings tab and a Lyft round-up row.App Store listing, as of
Undebt.it
From Undebt.it's websiteThe Master Account List: 78.09% paid off, $88,704.18 total balance, YNAB Sync, Export and Add New Account buttons, and cards for each debt with balance, minimum payment, next due date and payoff date.undebt.it, as of From Undebt.it's websiteA phone view of a Solar Loan: current balance $8,129.38, a 24 month balance history line, 22 months to payoff, $42.27 monthly interest, an In Payoff Plan toggle and an Add Transaction button.undebt.it, as of
Transactions
Changed
App Store marketing imageThe iPad Payments screen: projected savings of $5,062 with a With Changed and Without Changed chart, Overview and loan type tabs, and payments of $50 and $100 with interest saved of $47 and $53.App Store listing, as of 
App Store marketing imagePayment rows: Amount $50 with $47 interest saved and Amount $100 with $53 interest saved.App Store listing, as of
Undebt.it
No official screen found yet
Budget
Changed
No official screen found yet
Undebt.it
From Undebt.it's websiteThe Debt Planner: a $1,500.00 monthly budget with an Apply button, payoff stats, a Total Paid $78,473 card with debt-free date Dec 2030, and a table of accounts with total payments, projected interest and payoff dates.undebt.it, as of
Goals
Changed
App Store marketing imageApp Store image with the headline "Payoff Credit Cards & Track Your Debt" showing the Payoff screen with a Changed Balance and a credit card progress graphic.App Store listing, as of 
App Store marketing imageApp Store image with the headline "Stash Your Cash" showing a Stash My Cash screen saving for a Rainy Day Fund.App Store listing, as of 
App Store marketing imageThe top of the Payoff screen: Changed Balance $28.39, a Credit Card label and a squirrel-shaped progress graphic marked $50, $40 and $30.App Store listing, as of 
App Store marketing imageThe top of the Stash My Cash screen: Stash Balance $50.00, "You're saving $100 for Rainy Day Fund" and a progress graphic at 75%.App Store listing, as of 
App Store marketing imageThe iPad Payoff screen: Changed Balance $28.39, Credit Card, a squirrel progress graphic from $30 to $50 and a Current Credit Card Balance row.App Store listing, as of
Undebt.it
From Undebt.it's websiteA Goal Streak payoff snapshot: 12 months in a row, every monthly goal hit since Sep 2025 and $13,125 paid during the streak.undebt.it, as of From Undebt.it's websiteA My Debt Payoff Journey snapshot: 84.2% complete, 2 years 9 months until debt free, a $730 debt snowball, a May 2029 debt-free date and progress bars for each debt.undebt.it, as of
Reports and insights
Changed
App Store marketing imageThe top of the Payments screen: a With Changed and Without Changed chart, projected savings on all linked debt of $5,062 and a 1 year sooner payoff note.App Store listing, as of 
App Store marketing imageThe top of Your Credit Score: a gauge reading 720, Good, down 2 pts.App Store listing, as of
Undebt.it
From Undebt.it's websiteCompare Payoff Methods: the current Debt Avalanche plan at $76,583 total paid and Nov 2030 debt-free, next to Debt Snowball at $78,473 and Hybrid (Debt Ratio) at $76,989 with interest and months to payoff.undebt.it, as of 
From Undebt.it's websiteA What-If Scenario: "6 months sooner" with May 2029 becoming Nov 2028, $495.42 interest saved, a 28 month payoff timeline, a $1,750.00 a month scenario budget and a balance by month chart.undebt.it, as of
Bills and recurring
Changed
No official screen found yet
Undebt.it
From Undebt.it's websiteThe Payment Plan: payoff method, starting month and monthly budget, then a month-by-month table from Aug 2026 with the payment to each debt and the snowball amount.undebt.it, as of 
From Undebt.it's websiteA Bill Payment Manager listing bills due within 7 and 14 days, such as AT&T and DMV, each with a date, amount and Pay button.undebt.it, as of
Getting started
Changed
No official screen found yet
Undebt.it
From Undebt.it's websiteEasy Mode with three steps, Set your budget, Add accounts and Choose plan, a Monthly Budget field, Your Payoff Stats and Your Debt Accounts cards with Pay buttons.undebt.it, as of
Other screens
Changed
App Store marketing imageApp Store image with the headline "Effortlessly Pay Off Debt, Save Money, and More!" showing a tilted phone and an illustrated person on a couch.App Store listing, as of
Undebt.it
No official screen found yet
Who it's for
Pick the tab that sounds like you. Every answer comes from the app's own pages, and its source opens from the Source link.
Just me
Budgeting on your own? These are the basics people ask about first.
Is it free?
Changed: Changed's plans page lists Basic at $6 a month, Plus at $9 a month and Premium at $15 a month.
Source
gochanged.com/changed-plans, checked .Undebt.it: Undebt.it is free to use. Undebt.it+ costs $10 a year.
Source
undebt.it/pricing-features-reviews.php, checked .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.
Source
gochanged.com/how-it-works, checked .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.
Source
undebt.it/pricing-features-reviews.php, checked .Is there support from the app's makers if I need help?
Changed: Yes. Message form and help center.
Source
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.” gochanged.com/support, checked .Undebt.it: Yes. Email and contact form.
Source
In their words: “E-mail: jeff@undebt.it” undebt.it, checked .
A question shows only when every app here has a current official source that answers it. 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's plans page lists Basic at $6 a month, Plus at $9 a month and Premium at $15 a month. We checked this on Nov 3, 2026.
How much does Undebt.it cost?
Undebt.it is free to use. Undebt.it+ costs $10 a year. We checked this on Nov 3, 2026.
What is Changed's app store rating?
Changed has 4.6 out of 5 on the App Store from 5,680 ratings. That's a snapshot from the store listing on Nov 3, 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 Nov 3, 2026.
More comparisons
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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
- Sourced facts
- 16 facts, each linked and dated
Changed7 sourced facts, last checked Nov 3, 2026
- Price and feesgochanged.com/changed-plans, as of Nov 3, 2026
- PlatformsApp Store listing, as of Nov 3, 2026
- Bank syncinggochanged.com/how-it-works, as of Nov 3, 2026
- Payoff methodsApp Store listing, as of Nov 3, 2026
- Debt-free dateApp Store listing, as of Nov 3, 2026
- Extra paymentsgochanged.com/how-it-works, as of Nov 3, 2026
- App store ratingApp Store listing, as of Nov 3, 2026
Undebt.it9 sourced facts, last checked Nov 3, 2026
- Price and feesundebt.it/pricing-features-reviews.php, as of Nov 3, 2026
- Free trialundebt.it/pricing-features-reviews.php, as of Nov 3, 2026
- Platformsundebt.it/faq-article.php, as of Nov 3, 2026
- Bank syncingundebt.it/pricing-features-reviews.php, as of Nov 3, 2026
- Payoff methodsundebt.it, as of Nov 3, 2026
- Debt-free dateundebt.it/pricing-features-reviews.php, as of Nov 3, 2026
- Extra paymentsundebt.it, as of Nov 3, 2026
- Payment remindersundebt.it/plus-info.php, as of Nov 3, 2026
- App store ratingundebt.it/faq-article.php, as of Nov 3, 2026
Each fact links to the official page it came from, with the date we checked it. Once a fact is older than 30 days, it comes off the page until we check it again. How we source, date and index this data.
This is education, not financial advice.
