Debt payoff comparison
Debt Payoff Planner vs Undebt.it
Updated
Data as of
Debt Payoff Planner checked Undebt.it checked
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Debt Payoff Planner
Debt payoff app
Visit site for Debt Payoff Planner (opens in a new tab)
Undebt.it
Debt payoff app
Visit site for Undebt.it (opens in a new tab)
Short answer
- Pick Debt Payoff Planner if you want an app from the App Store.
- The biggest difference is where you get it: Debt Payoff Planner is on the App Store, and Undebt.it's site says it's a web app you install from the browser, not in app stores.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Debt Payoff Planner vs Undebt.it at a glance
- Debt Payoff Planner
- Rating
- 4.7 of 5App Store, 7,403 ratings
- Platforms
- 3Web, iOS, Android
- Undebt.it
- 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
- Debt Payoff Planner
Debt Payoff Planner has a free plan. Its website lists the Pro plan from $2 a month.
Source
debtpayoffplanner.com, 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.
Debt Payoff Planner and Undebt.it, side by side
| Detail | Debt Payoff Planner | Undebt.it |
|---|---|---|
| PlatformsDiffers | Debt Payoff PlannerDebt Payoff Planner lists Web, iOS and Android. Sourcedebtpayoffplanner.com, checked . | Undebt.itUndebt.it lists Web, iPhone (home screen install) and Android (home screen install). Sourceundebt.it/faq-article.php, checked . |
| Bank syncingDiffers | Debt Payoff PlannerNo. Debt Payoff Planner says the app will not connect to any of your accounts, so you record each payment yourself. Sourcedebtpayoffplanner.com/support, 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 | Debt Payoff PlannerDebt Payoff Planner lists these payoff methods: Debt Avalanche, Debt Snowball and Custom. Sourcedebtpayoffplanner.com/overview, 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 | Debt Payoff PlannerYes. Debt Payoff Planner gives you a step-by-step plan with a debt-free date. Sourcedebtpayoffplanner.com, 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 | Debt Payoff PlannerYes. You can add an extra payment above your minimums, monthly or biweekly, and see how it changes your plan. Sourcedebtpayoffplanner.com/overview, 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 | Debt Payoff PlannerDebt Payoff Planner has 4.7 out of 5 on the App Store from 7,403 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
Debt Payoff Planner
App Store marketing imageApp Store image showing the home screen with a Debt-free countdown and Payoff progress.App Store listing, as of 
App Store marketing imageThe home screen: Hi Michelle!, a Debt-free countdown to February 2026 of 3 years 4 months, Payoff progress at 14.9% paid with $15,350.52 principal paid and an $88,019.92 balance, and the tab bar.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
Debt Payoff Planner
App Store marketing imageApp Store image with the headline "Get clarity and take control" showing a Debts screen with a balance by category donut chart.App Store listing, as of 
App Store marketing imageThe Debts screen: a Summary donut of $88,019.92 by category, Your debts (9) with search and sort, and a Toyota loan at $40,656.60.App Store listing, as of 
App Store marketing imageThe iPad Debts screen: In progress and Completed tabs, debt cards for Jackson's car, an NFCU credit card and a hospital bill with payoff progress, and Balance by category and Balance by debt donut charts.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
Budget
Debt Payoff Planner
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
Debt Payoff Planner
App Store marketing imageA step-by-step payoff plan: Step 1 Synchrony CareCredit payoff by Oct 2, 2022, Step 2 and Step 3 with Klarna and Taxes payoffs and the accounts paid in each step.App Store listing, as of 
App Store marketing imageA Debt-free countdown card: February 2026, 3 years and 4 months away, with an illustrated sun over hills.App Store listing, as of 
App Store marketing imagePayoff progress: a ring at 14.9% paid, principal paid $15,350.52 and balance $88,019.92.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
Debt Payoff Planner
App Store marketing imageRecurring funding for extra payments on the Strategy screen: debt-free date May 2036, a 13 years 7 months countdown, payoff accelerated by 4 years 7 months, $6,784.36 interest saved, a balance chart, an Extra $120 field and a Save button.App Store listing, as of 
App Store marketing imagePayoff progress at 14.9% with principal paid and balance, and a Payoff timeline chart of balance by category from 2021 to 2024.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
Debt Payoff Planner
App Store marketing imageThe Strategy screen: Recurring funding once per month on the 1st with minimum and extra amounts totaling $2,225.00, One-time fundings and Extra payment priority set to Debt Snowball.App Store listing, as of 
App Store marketing imageAn iPad payment schedule on Upcoming for October 2022 with payments to Toyota, recurring funding, Synchrony CareCredit, NFCU Credit Card and more, next to a Toyota payment detail.App Store listing, as of
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
Debt Payoff Planner
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
Debt Payoff Planner
App Store marketing imageApp Store image with the headline "Quickly get a plan to payoff debt" and Good Morning America and Forbes logos.App Store listing, as of 
App Store marketing imageApp Store image with a 2021 Best debt payoff app award from The Ascent and the line "Helped over 1M people achieve" less stress, more motivation and faster payoff.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?
Debt Payoff Planner: Debt Payoff Planner has a free plan. Its website lists the Pro plan from $2 a month.
Source
debtpayoffplanner.com, 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?
Debt Payoff Planner: No. Debt Payoff Planner says the app will not connect to any of your accounts, so you record each payment yourself.
Source
debtpayoffplanner.com/support, 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?
Debt Payoff Planner: Yes. Email.
Source
In their words: “If you have any questions, comments, or suggestions, please email our support team at support@debtpayoffplanner.com” debtpayoffplanner.com/support, checked .Undebt.it: Yes. Email and contact form.
Source
In their words: “E-mail: jeff@undebt.it” undebt.it, checked .
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.
Source
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.” debtpayoffplanner.com/support, checked .Undebt.it: No. Your partner signs in to your same account.
Source
In their words: “You would have to use the same login (e-mail address). User accounts are setup based on a single e-mail address so it's not possible for multiple user accounts to share the same set of data.” undebt.it/faq-article.php, checked .Can we keep shared and individual views?
Debt Payoff Planner: No. You both see the same shared view.
Source
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.” debtpayoffplanner.com/support, checked .Undebt.it: No. You both see the same shared view.
Source
In their words: “No, this site is meant to track only one set of accounts. You can, however, create another account under a different e-mail address and track additional sets that way.” undebt.it/faq-article.php, 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.
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 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 Debt Payoff Planner's app store rating?
Debt Payoff Planner has 4.7 out of 5 on the App Store from 7,403 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
Similar comparisons
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
- Sourced facts
- 16 facts, each linked and dated
Debt Payoff Planner7 sourced facts, last checked Nov 3, 2026
- Price and feesdebtpayoffplanner.com, as of Nov 3, 2026
- Platformsdebtpayoffplanner.com, as of Nov 3, 2026
- Bank syncingdebtpayoffplanner.com/support, as of Nov 3, 2026
- Payoff methodsdebtpayoffplanner.com/overview, as of Nov 3, 2026
- Debt-free datedebtpayoffplanner.com, as of Nov 3, 2026
- Extra paymentsdebtpayoffplanner.com/overview, 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.
