Debt payoff comparison
Debt Payoff Planner 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
Debt Payoff Planner and Undebt.it are both debt payoff apps. Debt Payoff Planner has a free plan, 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.
Debt Payoff Planner vs Undebt.it at a glance
Debt Payoff Planner 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
Debt Payoff Planner has a free plan. Its website lists the Pro plan from $2 a month. 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 Debt Payoff Planner yet, so check the official site for Debt Payoff Planner before you decide. We checked Undebt.it on Oct 24, 2026.
Platforms
Debt Payoff Planner lists Web, iOS and Android. Undebt.it lists Web, iPhone (home screen install) and Android (home screen install). We checked both on Oct 24, 2026.
Bank syncing
No. Debt Payoff Planner says the app will not connect to any of your accounts, so you record each payment yourself. 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
Debt Payoff Planner lists these payoff methods: Debt Avalanche, Debt Snowball and Custom. 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. Debt Payoff Planner gives you a step-by-step plan with a debt-free date. 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 add an extra payment above your minimums, monthly or biweekly, and see how it changes your plan. 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 Debt Payoff Planner yet, so check the official site for Debt Payoff Planner before you decide. We checked Undebt.it on Oct 24, 2026.
App store rating
Debt Payoff Planner has 4.7 out of 5 on the App Store from 7,387 ratings. We haven't verified this for Undebt.it yet, so check the official site for Undebt.it before you decide. We checked Debt Payoff Planner on Oct 24, 2026. Store ratings are a dated snapshot from each listing, not our score.
What it costs
Debt Payoff PlannerDebt Payoff Planner has a free plan. Its website lists the Pro plan from $2 a month.
As of · debtpayoffplanner.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
- Debt Payoff Planner
- Not verified yet
- Undebt.it
- 30 days
Source
- Debt Payoff Planner: 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
- Debt Payoff Planner
- 4.77,387 ratings
- Undebt.it
- Not verified yet
Source
- Debt Payoff Planner has 4.7 out of 5 on the App Store from 7,387 ratings. App Store listing, as of Oct 24, 2026.
- Undebt.it: Not verified yet.
Platforms
- Debt Payoff Planner
- Web
- iOS
- Android
- Undebt.it
- Web
- iPhone (home screen install)
- Android (home screen install)
Source
- Debt Payoff Planner lists Web, iOS and Android. debtpayoffplanner.com, 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
- Debt Payoff Planner
- No
- Undebt.it
- Undebt
Source
- No. Debt Payoff Planner says the app will not connect to any of your accounts, so you record each payment yourself. debtpayoffplanner.com/support, 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
- Debt Payoff Planner
- Debt Avalanche
- Debt Snowball
- Custom
- 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
- Debt Payoff Planner lists these payoff methods: Debt Avalanche, Debt Snowball and Custom. debtpayoffplanner.com/overview, 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
- Debt Payoff Planner
- Yes
- Undebt.it
- Yes
Source
- Yes. Debt Payoff Planner gives you a step-by-step plan with a debt-free date. debtpayoffplanner.com, 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
- Debt Payoff Planner
- Yes
- Undebt.it
- Yes
Source
- Yes. You can add an extra payment above your minimums, monthly or biweekly, and see how it changes your plan. debtpayoffplanner.com/overview, 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
- Debt Payoff Planner
- Not verified yet
- Undebt.it
- Undebt
Source
- Debt Payoff Planner: 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
Debt Payoff Planner
App Store marketing imageApp Store image 1 of 4 from the Debt Payoff Planner listing.App Store listing, as of 
App Store marketing imageApp Store image 2 of 4 from the Debt Payoff Planner listing.App Store listing, as of 
App Store marketing imageApp Store image 3 of 4 from the Debt Payoff Planner listing.App Store listing, as of 
App Store marketing imageApp Store image 4 of 4 from the Debt Payoff Planner listing.App Store listing, as of
Undebt.it
No official screen found yet
Debt Payoff Planner 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 | Debt Payoff PlannerDebt payoff appDebt Payoff Planner is a debt payoff app that turns your balances, rates and minimum payments into a step-by-step payoff plan with a debt-free date.Visit Debt Payoff Planner'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 | Debt Payoff Planner has a free plan. Its website lists the Pro plan from $2 a month.As of Oct 24, 2026. Source: debtpayoffplanner.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 | Debt Payoff Planner lists Web, iOS and Android.As of Oct 24, 2026. Source: debtpayoffplanner.com | 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 | No. Debt Payoff Planner says the app will not connect to any of your accounts, so you record each payment yourself.As of Oct 24, 2026. Source: debtpayoffplanner.com/support | 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 | Debt Payoff Planner lists these payoff methods: Debt Avalanche, Debt Snowball and Custom.As of Oct 24, 2026. Source: debtpayoffplanner.com/overview | 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. Debt Payoff Planner gives you a step-by-step plan with a debt-free date.As of Oct 24, 2026. Source: debtpayoffplanner.com | 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 add an extra payment above your minimums, monthly or biweekly, and see how it changes your plan.As of Oct 24, 2026. Source: debtpayoffplanner.com/overview | 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 | Debt Payoff Planner has 4.7 out of 5 on the App Store from 7,387 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?
Debt Payoff Planner
Debt Payoff Planner has a free plan. Its website lists the Pro plan from $2 a month.
As of . Source: debtpayoffplanner.com
Does it connect to my bank and import transactions?
Debt Payoff Planner
No. Debt Payoff Planner says the app will not connect to any of your accounts, so you record each payment yourself.
As of . Source: debtpayoffplanner.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?
Debt Payoff Planner
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?
Debt Payoff Planner
Yes. Email.
In their words: “If you have any questions, comments, or suggestions, please email our support team at support@debtpayoffplanner.com”
As of . Source: debtpayoffplanner.com
Undebt.it
Yes. Email and contact form.
In their words: “E-mail: jeff@undebt.it”
As of . Source: undebt.it
Partners
Sharing money with a partner? Here's how each app handles a second person.
Can my partner use their own login details?
Debt Payoff Planner
No. Your partner signs in to your same account.
In their words: “Yes, two people can each have the app installed on their respective device and access the same information as long as you have created an account (i.e. you cannot be using a guest account) and both people login with the same username and password.”
As of . Source: debtpayoffplanner.com
Undebt.it
Not verified yet
Business
Running a small business? Here's what each app says about business money.
Can I share my finances with my accountant?
Debt Payoff Planner
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.
ScramblerUndebt.it lists 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 Debt Payoff Planner 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 Debt Payoff Planner cost?
Debt Payoff Planner has a free plan. Its website lists the Pro plan from $2 a month. 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 Debt Payoff Planner's app store rating?
Debt Payoff Planner has 4.7 out of 5 on the App Store from 7,387 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.
Similar comparisons
ChangedDebt payoff appDebt Payoff PlannerDebt payoff appChanged vs Debt Payoff Planner
See Changed and Debt Payoff Planner side by side, with every fact dated.
Data side by side- ChangedDebt payoff appUndebt.itDebt payoff app
Changed vs Undebt.it
See Changed and Undebt.it side by side, with every fact dated.
Data side by side - Debt Payoff PlannerDebt payoff app
EveryDollarBudgeting appDebt Payoff Planner vs EveryDollar
See Debt Payoff Planner and EveryDollar side by side, with every fact dated.
Data side by side - Debt Payoff PlannerDebt payoff app
YNABBudgeting appDebt Payoff Planner vs YNAB
See Debt Payoff Planner and YNAB side by side, with every fact dated.
Data side by side - EveryDollarBudgeting appUndebt.itDebt payoff app
EveryDollar vs Undebt.it
See EveryDollar and Undebt.it side by side, with every fact dated.
Data side by side - Undebt.itDebt payoff appYNABBudgeting app
Undebt.it vs YNAB
See Undebt.it and YNAB side by side, with every fact dated.
Data side by side - ChangedDebt payoff appEveryDollarBudgeting app
Changed vs EveryDollar
See Changed and EveryDollar side by side, with every fact dated.
Data side by side - ChangedDebt payoff appYNABBudgeting app
Changed vs YNAB
See Changed and YNAB side by side, with every fact dated.
Data side by side 
AcornsInvesting app
AllySavings accountAcorns vs Ally
See Acorns and Ally Bank Savings side by side, with every fact dated.
Data side by side
Keep comparing
- See Debt Payoff Planner 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
Debt Payoff Planner7 of 9 verified, 2 not verified yet, last checked Oct 24, 2026
- Price and feesdebtpayoffplanner.com, as of Oct 24, 2026
- Free trialNot verified yet
- Platformsdebtpayoffplanner.com, as of Oct 24, 2026
- Bank syncingdebtpayoffplanner.com/support, as of Oct 24, 2026
- Payoff methodsdebtpayoffplanner.com/overview, as of Oct 24, 2026
- Debt-free datedebtpayoffplanner.com, as of Oct 24, 2026
- Extra paymentsdebtpayoffplanner.com/overview, 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.
