Fifecta: Fifecta costs $15 a month or $150 a year. (Source: pricelesstay.com, as of Oct 23, 2026.) Undebt.it: Undebt.it is free to use. Undebt.it+ costs $10 a year. (Source: undebt.it, as of Oct 24, 2026.)

Can I export my data?

Fifecta: Yes. You can export your data. (Source: pricelesstay.com, as of Oct 24, 2026.) Undebt.it: Yes. You can export your data. (Source: undebt.it, as of Oct 24, 2026.)

Is there support from the app's makers if I need help?

Undebt.it: Yes. Email and contact form. (Source: undebt.it, as of Oct 24, 2026.)

AI money tools comparison

Fifecta vs Undebt.it

Q: Does it connect to my bank and import transactions?

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, as of Oct 24, 2026.)

Updated Oct 24, 2026

Fifecta

Budgeting app

Visit site

Fifecta is the Priceless Tay budgeting app that gives every paycheck a plan with FUNDS, built on your Money Type.

Undebt.it

Debt payoff app

Visit site

Undebt.it is a web-based debt payoff planner and tracker with a free plan and an optional Undebt.it+ membership.

Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.

Short answer

Fifecta is a budgeting app and Undebt.it is a debt payoff app. Fifecta costs $15 a month or $150 a year, while Undebt.it is free to use. We checked Fifecta on Oct 23, 2026 and Undebt.it on Oct 24, 2026, and the official sources differ on 2 of the 10 rows in the table below.

Fifecta vs Undebt.it at a glance

Fifecta is a budgeting app and Undebt.it is a debt payoff app. 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 2 of the 10 rows in the table below.

Price and fees

Fifecta costs $15 a month or $150 a year. Undebt.it is free to use. Undebt.it+ costs $10 a year. We checked Fifecta on Oct 23, 2026 and Undebt.it on Oct 24, 2026.

Free trial

Fifecta is free for 7 days, and you can cancel anytime in the app. Undebt.it+ has a 30-day free trial, and you don't need a credit card to start it. We checked Fifecta on Oct 23, 2026 and Undebt.it on Oct 24, 2026.

Platforms

Undebt.it lists Web, iPhone (home screen install) and Android (home screen install). We haven't verified this for Fifecta yet, so check the official site for Fifecta before you decide. We checked Undebt.it on Oct 24, 2026.

Bank syncing

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 haven't verified this for Fifecta yet, so check the official site for Fifecta before you decide. We checked Undebt.it on Oct 24, 2026.

Payoff methods

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 haven't verified this for Fifecta yet, so check the official site for Fifecta before you decide. We checked Undebt.it on Oct 24, 2026.

Debt-free date

Yes. Undebt.it builds a month-by-month payoff schedule with a debt-free date on it. We haven't verified this for Fifecta yet, so check the official site for Fifecta before you decide. We checked Undebt.it on Oct 24, 2026.

Extra payments

Yes. You can add an extra payment to your plan, plus one-off extra payments that Undebt.it calls Debt Snowflakes. We haven't verified this for Fifecta yet, so check the official site for Fifecta before you decide. We checked Undebt.it 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 Fifecta yet, so check the official site for Fifecta before you decide. We checked Undebt.it on Oct 24, 2026.

Features

Fifecta lists API or MCP access. We haven't verified the features for Undebt.it yet. We checked Fifecta on Oct 24, 2026.

What it costs

Fifecta
$15a month
Fifecta costs $15 a month or $150 a year.
$150 a year, from the yearly price
Cost over 1 and 3 years: $150 and $450, at the yearly list price before tax.
As of Oct 23, 2026 · pricelesstay.com/fifecta
Undebt.itLower price
$10a year
Undebt.it is free to use. Undebt.it+ costs $10 a year.
$10 a year, from the yearly price
Cost over 1 and 3 years: $10 and $30, at the yearly list price before tax.
As of Oct 24, 2026 · undebt.it/pricing-features-reviews.php

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.

At a glance

Free trial
Fifecta
7 days
Undebt.it
30 days
Source
- Fifecta is free for 7 days, and you can cancel anytime in the app. pricelesstay.com/fifecta, as of Oct 23, 2026.
- 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
Fifecta
Not verified yet
Undebt.it
Not verified yet
Source
- Fifecta: Not verified yet.
- Undebt.it: Not verified yet.
Platforms
Fifecta
Not verified yet
Undebt.it
- Web
- iPhone (home screen install)
- Android (home screen install)
Source
- Fifecta: Not verified yet.
- 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
Fifecta
Not verified yet
Undebt.it
Undebt
Source
- Fifecta: Not verified yet.
- 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
Fifecta
Not verified yet
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
- Fifecta: Not verified yet.
- 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
Fifecta
Not verified yet
Undebt.it
Yes
Source
- Fifecta: Not verified yet.
- 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
Fifecta
Not verified yet
Undebt.it
Yes
Source
- Fifecta: Not verified yet.
- 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
Fifecta
Not verified yet
Undebt.it
Undebt
Source
- Fifecta: 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

Features listed by each app's official source. A question mark means not verified yet.
Feature	Fifecta	Undebt.it
API or MCP	Listed by the source	Not verified yet

✓ means the official site lists it. ? means we haven't verified it yet, not that the app lacks it. Fifecta: pricelesstay.com/fifecta-ai, as of Oct 24, 2026.

Fifecta and Undebt.it, side by side

Rows marked “Differs” are where the official sources say different things, and 2 rows do here. "Lower price" marks the lowest yearly price the sources list. It's a number, not our pick.

Show only differencesNo row matches exactly, so all 10 rows stay. Rows we can't compare yet dim.

Swipe the table sideways to see both apps.

Fifecta and Undebt.it compared. Each cell shows the date it was checked and links to its source.
Field	FifectaBudgeting appOur appFifecta is the Priceless Tay budgeting app that gives every paycheck a plan with FUNDS, built on your Money Type.Visit Fifecta'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	Fifecta costs $15 a month or $150 a year.As of Oct 23, 2026. Source: pricelesstay.com/fifecta	Lower priceUndebt.it is free to use. Undebt.it+ costs $10 a year.As of Oct 24, 2026. Source: undebt.it/pricing-features-reviews.php
Free trialDiffers	Fifecta is free for 7 days, and you can cancel anytime in the app.As of Oct 23, 2026. Source: pricelesstay.com/fifecta	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
Platforms	Not verified yet.	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 syncing	Not verified yet.	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 methods	Not verified yet.	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 date	Not verified yet.	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 payments	Not verified yet.	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
Features	Yes: API or MCP As of Oct 24, 2026. Source: pricelesstay.com/fifecta-ai	Not verified yet.
App store rating	Not verified yet.	Not verified yet.

Fifecta is our own app. Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.

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?
Fifecta
Fifecta costs $15 a month or $150 a year.
As of Oct 23, 2026. Source: pricelesstay.com
Undebt.it
Undebt.it is free to use. Undebt.it+ costs $10 a year.
As of Oct 24, 2026. Source: undebt.it
Does it connect to my bank and import transactions?
Fifecta
Not verified yet
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 Oct 24, 2026. Source: undebt.it
Can I export my data?
Fifecta
Yes. You can export your data.
In their words: “Export a copy in Settings, then Your data, before then.”
As of Oct 24, 2026. Source: pricelesstay.com
Undebt.it
Yes. You can export your data.
In their words: “Export payoff plan to Excel”
As of Oct 24, 2026. Source: undebt.it
Is there support from the app's makers if I need help?
Fifecta
Not verified yet
Undebt.it
Yes. Email and contact form.
In their words: “E-mail: jeff@undebt.it”
As of Oct 24, 2026. 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?
Fifecta
Yes. You can export your data and send the file.
In their words: “Export a copy in Settings, then Your data, before then.”
As of Oct 24, 2026. Source: pricelesstay.com
Undebt.it
Yes. You can export your data and send the file.
In their words: “Export payoff plan to Excel”
As of Oct 24, 2026. 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.

Strategist
Neither 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.
Spender
Neither 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.
Saver
Neither 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.
Scrambler
Undebt.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.

FAQ

How much does Fifecta cost?

Fifecta costs $15 a month or $150 a year. We checked this on Oct 23, 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.

Does Fifecta have a free trial?

Fifecta is free for 7 days, and you can cancel anytime in the app. We checked this on Oct 23, 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 Oct 24, 2026.

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Keep comparing

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.

Try Fifecta free

Pinterest pin for Fifecta vs Undebt.it, a side-by-side app comparison from Priceless Tay.

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Sources and confidence

Last checked: Oct 24, 2026
Not verified yet: 4 of 15 facts

FifectaOur app3 of 6 verified, 3 not verified yet, last checked Oct 24, 2026

Price and feespricelesstay.com/fifecta, as of Oct 23, 2026
Free trialpricelesstay.com/fifecta, as of Oct 23, 2026
PlatformsNot verified yet
Bank syncingNot verified yet
Featurespricelesstay.com/fifecta-ai, as of Oct 24, 2026
App store ratingNot verified yet

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

Fifecta is our own app. Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.

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.

Short answer

Fifecta vs Undebt.it at a glance