Debt payoff comparison
EveryDollar vs Undebt.it
Updated
Data as of
EveryDollar checked Undebt.it checked
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EveryDollar
Budgeting app
Visit site for EveryDollar (opens in a new tab)
Undebt.it
Debt payoff app
Visit site for Undebt.it (opens in a new tab)
Short answer
- Pick EveryDollar if you want a separate login for your partner or an app from the App Store.
- Pick Undebt.it if you want a longer free trial (30 days, compared with 14).
- The biggest difference is what they are: EveryDollar is a budgeting app, and Undebt.it is a debt payoff app.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
EveryDollar vs Undebt.it at a glance
- EveryDollar
- Price
- $17.99a month, or a free version
- Free trial
- 14 days
- Rating
- 4.7 of 5App Store, 84,203 ratings
- Platforms
- 3iOS, Android, Computer
- Undebt.it
- Price
- $10a year, or a free version
- Free trial
- 30 days
- 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
- EveryDollar
$17.99a month
EveryDollar has a free version. After a 14-day free trial, premium costs $79.99 a year billed annually, or $17.99 a month billed monthly.
$79.99 a year at the yearly list price, or $239.97 over 3 years, before tax.
Source
everydollar.com, checked . - Undebt.itLower price
$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 compare each app's yearly list price. "Lower price" marks the lowest yearly price the sources list. It's a number, not our pick. Prices are list prices from each app's own page, before tax and any offer.
Features
EveryDollar also lists savings goals, shared budgets, investment tracking and data export.
Sources for these features
Yes means the official site lists it. No means the official site says the app doesn't have it.
- EveryDollar: ramseysolutions.com/money/everydollar, checked Nov 3, 2026.Shared budgets: The household feature lets couples manage one budget together with separate emails. ramseysolutions.com/money/everydollar, checked Nov 3, 2026.Investment tracking: Balances from 'a handful of investment accounts', shown as a convenience; the Financial Roadmap net worth includes retirement balances. everydollar.help.ramseysolutions.com/hc/en-us/articles/15937984047117-Investment-Contributions-in-EveryDollar, checked Nov 3, 2026.
EveryDollar and Undebt.it, side by side
| Detail | EveryDollar | Undebt.it |
|---|---|---|
| Free trialDiffers | EveryDollarEveryDollar premium starts with a 14-day free trial for new users. Sourceeverydollar.com, checked . | Undebt.itUndebt.it+ has a 30-day free trial, and you don't need a credit card to start it. Sourceundebt.it/pricing-features-reviews.php, checked . |
| PlatformsDiffers | EveryDollarEveryDollar lists iOS, Android and Computer. Sourceramseysolutions.com/money/everydollar, checked . | Undebt.itUndebt.it lists Web, iPhone (home screen install) and Android (home screen install). Sourceundebt.it/faq-article.php, checked . |
| Bank syncingDiffers | EveryDollarPremium only. EveryDollar premium connects your bank through Mastercard Connect and Plaid, and the free version uses manual entry. Sourceramseysolutions.com/money/everydollar, 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 . |
| App store ratingDiffers | EveryDollarEveryDollar has 4.7 out of 5 on the App Store from 84,203 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
EveryDollar
App Store marketing imageApp Store image with the headline "Find Focus, Know Your Score" showing a home screen with a score gauge of 45 and a Save For a Trip goal.App Store listing, as of 
App Store marketing imageA screen greeting John with a gauge reading 45 and a Target Goal card for Save For a Trip.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
EveryDollar
No official screen found yet
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
EveryDollar
App Store marketing imageApp Store image with the headline "See Every Transaction" showing the Transactions screen.App Store listing, as of 
App Store marketing imageThe Transactions screen: a note that transactions sync after clearing, then September transactions with budget item tags.App Store listing, as of 
App Store marketing imageApp Store image with the headline "Track Spending in Seconds" showing budget rows with transaction bubbles for Trader Joe's, Walmart and Target.App Store listing, as of 
From EveryDollar's help centerAn Add Expense form on the web split across Groceries, Gifts and Clothing with amounts for each.everydollar.help.ramseysolutions.com, as of 
App Store marketing imageTransaction rows such as Target, Jeni's and a Direct Deposit, each with an amount and a budget item tag like Groceries.App Store listing, as of
Undebt.it
No official screen found yet
Budget
EveryDollar
App Store marketing imageApp Store image with the headline "Simple Budgeting, Total Control" over a tilted phone showing the budget with Planned Income and Risk of Overspending.App Store listing, as of 
App Store marketing imageApp Store image with the headline "Give Every Dollar a Job" showing a hand holding a phone with income rows and budget items like Groceries and Clothing.App Store listing, as of 
From EveryDollar's help centerA Groceries budget item with $600 remaining and Schedule, Due Date and Fund rows.everydollar.help.ramseysolutions.com, as of 
From EveryDollar's help centerThe budget header for September 2026 with Planned, Spent and Remaining tabs, $104.54 left to budget and two summary tiles.everydollar.help.ramseysolutions.com, as of 
From EveryDollar's help centerA colored ring with $6,000 Remaining in the middle.everydollar.help.ramseysolutions.com, as of
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
EveryDollar
App Store marketing imageApp Store image with the headline "See Your Progress at a Glance" showing Your Roadmap with net worth today and projected at 65.App Store listing, as of 
App Store marketing imageYour Roadmap: a progress path, current and projected net worth, and Baby Step cards marked In Progress and Not Started Yet.App Store listing, as of 
App Store marketing imageApp Store image with the headline "Follow the Ramsey Plan" showing a list of the 7 Baby Steps beside a photo of Dave Ramsey.App Store listing, as of 
Google Play marketing imageGoogle Play image with the headline "Give Every Dollar a Job" showing a phone with a Save for a Trip goal and an Increase your focus list.Google Play listing, as of 
From EveryDollar's help centerAn Emergency Fund budget item with $500.00 remaining and rows for Schedule, Due Date, Fund Details and Favorite.everydollar.help.ramseysolutions.com, as of 
From EveryDollar's help centerThe web Financial Roadmap with a projected net worth line and Personal Info highlighted.everydollar.help.ramseysolutions.com, as of 
App Store marketing imageA Target Goal card for Save For a Trip with a progress bar from $1,250 to $2,500, a monthly amount and a completion date.App Store listing, as of 
App Store marketing imageA numbered list of the 7 Baby Steps, starting with "Save $1,000 for your starter emergency fund."App Store listing, as of 
From EveryDollar's help centerAn Activity This Month card for a fund with a balance update, a fill and the April balance.everydollar.help.ramseysolutions.com, 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
EveryDollar
Google Play marketing imageGoogle Play image with the headline "See Your Monthly Spending Trends" showing a Budget Summary donut chart with Housing, Food and Lifestyle percentages.Google Play 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
EveryDollar
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
EveryDollar
From EveryDollar's help centerA screen saying "Hey there, looks like you need a budget for March" with a Start Planning for March button.everydollar.help.ramseysolutions.com, as of
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
EveryDollar
App Store marketing imageApp Store image with the headline "Join 10 Million Taking Control" showing a Debt card and a photo of a couple.App Store listing, as of 
Google Play marketing imageGoogle Play image with the headline "Find More Margin for Your Goals" showing a screen that says you can free up $1,250 of potential margin.Google Play listing, as of 
App Store marketing imageThe bottom tab bar with Today, Budget, Transactions, Accounts and Insights.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?
EveryDollar: EveryDollar has a free version. After a 14-day free trial, premium costs $79.99 a year billed annually, or $17.99 a month billed monthly.
Source
everydollar.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?
EveryDollar: Premium only. EveryDollar premium connects your bank through Mastercard Connect and Plaid, and the free version uses manual entry.
Source
ramseysolutions.com/money/everydollar, 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 .Can I export my data?
EveryDollar: Yes. You can export your data.
Source
In their words: “After transactions have been tracked, EveryDollar Premium users can use EveryDollar.com to export and download each month's transactions as a CSV file (month by month, but not the whole year at once).” everydollar.help.ramseysolutions.com/hc/en-us/articles/360040571391-Export-Tracked-Transactions, checked .Undebt.it: Yes. You can export your data.
Source
In their words: “Export payoff plan to Excel” undebt.it/pricing-features-reviews.php, checked .Is there support from the app's makers if I need help?
EveryDollar: Yes. Live person (free) and coaching (premium).
Source
In their words: “Get support from a live person if you need help.” ramseysolutions.com/money/everydollar, 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?
EveryDollar: Yes. Your partner gets their own login.
Source
In their words: “Yes! The household feature lets couples manage one budget together, even if you each sign in with separate emails.” ramseysolutions.com/money/everydollar, 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?
EveryDollar: No. You both see the same shared view.
Source
In their words: “both people will see and edit the household owner's budget (the person sending the invitation)” everydollar.help.ramseysolutions.com/hc/en-us/articles/36246135475469-Household-Inviting-a-Spouse-To-Share-a-Budget, 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 .
Business
Running a small business? Here's what each app says about business money.
Can I share my finances with my accountant?
EveryDollar: Yes. You can export your data and send the file.
Source
In their words: “After transactions have been tracked, EveryDollar Premium users can use EveryDollar.com to export and download each month's transactions as a CSV file (month by month, but not the whole year at once).” everydollar.help.ramseysolutions.com/hc/en-us/articles/360040571391-Export-Tracked-Transactions, checked .Undebt.it: Yes. You can export your data and send the file.
Source
In their words: “Export payoff plan to Excel” undebt.it/pricing-features-reviews.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.
StrategistEveryDollar lists investment tracking. That fits a Strategist, who wants to watch the whole plan grow.
First fix: Save the Raise.
SpenderEveryDollar lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
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 EveryDollar 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 EveryDollar 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.
What real users say
These are other people's opinions, not Priceless Tay's. We quote public reviews and posts word for word, link each one and show its date, but we haven't checked the claims in them. A post counts toward a theme when it uses one of that theme's keywords, so a mention can be praise or a complaint.
What EveryDollar users say
Based on 437 App Store reviews and 4 YouTube videos dated Oct 2025 to Oct 2026, read Oct 2026. We collected the YouTube data with Apify, a scraping service, on Oct 24, 2026.
- Of the 441 reviews, posts and videos we read, 80 mention how easy or hard the app is to use.
- Of the 441 reviews, posts and videos we read, 77 mention the price, fees or the subscription.
- Of the 441 reviews, posts and videos we read, 55 mention debt, money stress or feeling in control.
Positive
“It makes it super easy to budget with my husband. ... we have had zero money fights”
Positive
“There’s a peace of mind that comes with having your finances under control and seeing your debts paid off.”
Critical
“Anything worthwhile in this app that would be helpful in budgeting is behind a paywall”
Where these come from
- EveryDollar reviews on the App Store, read Oct 24, 2026. The public feed returns the 500 most recent US reviews. We kept every one dated inside the window.
- Hacker News search for EveryDollar, read Oct 24, 2026. Public search of comments and posts. 1 named the app; we kept 0 where the writer shares their own use of it.
- Reddit search for EveryDollar, collected Oct 24, 2026. Collected with Apify (harshmaur/reddit-scraper) on Oct 24 2026: a keyword search for "EveryDollar", posts and comments from after Oct 24 2025. It returned 81, most of them about something else. We kept 0 where the writer shares their own use of the app or a clear opinion of it. We left out moderators, bots, company accounts, referral posts and people promoting their own apps.
- YouTube search for EveryDollar, collected Oct 24, 2026. Collected with Apify (streamers/youtube-scraper) on Oct 24 2026: a search for "EveryDollar review" from the past year, up to 8 videos. It returned 8. We kept 4 and left out the app's own channel, sponsored videos, videos with affiliate or referral links and videos about a different product. We count themes from each video's title, description and captions, but we don't quote videos, because the captions we have carry no timestamps.
- "EveryDollar Review [UPDATED] - They Don't Tell You This!" by Answer This on YouTube, Oct 16, 2026.
- "EveryDollar Review: Is This Budgeting App Worth Using?" by Misa Reviews on YouTube, Aug 29, 2026.
- "EveryDollar Review - Watch Before Using" by HelperDog on YouTube, Apr 11, 2026.
- "EveryDollar Review - Watch Before Using" by HelperDog on YouTube, Mar 16, 2026.
FAQ
How much does EveryDollar cost?
EveryDollar has a free version. After a 14-day free trial, premium costs $79.99 a year billed annually, or $17.99 a month billed monthly. 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.
Does EveryDollar have a free trial?
EveryDollar premium starts with a 14-day free trial for new users. We checked this on Nov 3, 2026.
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
- Read our EveryDollar review.
- See EveryDollar 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
- 15 facts, each linked and dated
EveryDollar6 sourced facts, last checked Nov 3, 2026
- Price and feeseverydollar.com, as of Nov 3, 2026
- Free trialeverydollar.com, as of Nov 3, 2026
- Platformsramseysolutions.com/money/everydollar, as of Nov 3, 2026
- Bank syncingramseysolutions.com/money/everydollar, as of Nov 3, 2026
- Featuresramseysolutions.com/money/everydollar, 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.
