Debt payoff comparison
Goodbudget 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.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Short answer
Goodbudget is a budgeting app and Undebt.it is a debt payoff app. Goodbudget has a free version, while Undebt.it is free to use. We checked both on Oct 24, 2026, and the official sources differ on 3 of the 10 rows in the table below.
Goodbudget vs Undebt.it at a glance
Goodbudget 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 3 of the 10 rows in the table below.
Price and fees
Goodbudget has a free version. Goodbudget Premium costs $10 a month or $80 a year. 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 Goodbudget yet, so check the official site for Goodbudget before you decide. We checked Undebt.it on Oct 24, 2026.
Platforms
Goodbudget lists Web, Android and iPhone. Undebt.it lists Web, iPhone (home screen install) and Android (home screen install). We checked both on Oct 24, 2026.
Bank syncing
Premium only. Goodbudget Premium includes automatic bank sync for US banks only, and the free version does not list 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. We checked both 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 Goodbudget yet, so check the official site for Goodbudget 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 Goodbudget yet, so check the official site for Goodbudget 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 Goodbudget yet, so check the official site for Goodbudget 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 Goodbudget yet, so check the official site for Goodbudget before you decide. We checked Undebt.it on Oct 24, 2026.
Features
Goodbudget lists shared budgets and data export. We haven't verified the features for Undebt.it yet. We checked Goodbudget on Oct 24, 2026.
App store rating
Goodbudget has 4.6 out of 5 on the App Store from 13,515 ratings. We haven't verified this for Undebt.it yet, so check the official site for Undebt.it before you decide. We checked Goodbudget on Oct 24, 2026. Store ratings are a dated snapshot from each listing, not our score.
What it costs
Goodbudget$10a month
Goodbudget has a free version. Goodbudget Premium costs $10 a month or $80 a year.
$80 a year, from the yearly priceCost over 1 and 3 years: $80 and $240, at the yearly list price before tax.
As of · goodbudget.com/signup
- Undebt.itLower price
$10a year
Undebt.it is free to use. Undebt.it+ costs $10 a year.
$10 a year, from the yearly priceCost over 1 and 3 years: $10 and $30, at the yearly list price before tax.
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
- Goodbudget
- Not verified yet
- Undebt.it
- 30 days
Source
- Goodbudget: 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
- Goodbudget
- 4.613,515 ratings
- Undebt.it
- Not verified yet
Source
- Goodbudget has 4.6 out of 5 on the App Store from 13,515 ratings. App Store listing, as of Oct 24, 2026.
- Undebt.it: Not verified yet.
Platforms
- Goodbudget
- Web
- Android
- iPhone
- Undebt.it
- Web
- iPhone (home screen install)
- Android (home screen install)
Source
- Goodbudget lists Web, Android and iPhone. goodbudget.com/signup, 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
- Goodbudget
- Premium only
- Undebt.it
- Undebt
Source
- Premium only. Goodbudget Premium includes automatic bank sync for US banks only, and the free version does not list it. goodbudget.com/signup, 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
- Goodbudget
- 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
- Goodbudget: 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
- Goodbudget
- Not verified yet
- Undebt.it
- Yes
Source
- Goodbudget: 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
- Goodbudget
- Not verified yet
- Undebt.it
- Yes
Source
- Goodbudget: 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
- Goodbudget
- Not verified yet
- Undebt.it
- Undebt
Source
- Goodbudget: 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
| Feature | Goodbudget | Undebt.it |
|---|---|---|
| Shared budgets | Listed by the source | Not verified yet |
| Data export | 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. Goodbudget: goodbudget.com/what-you-get, as of Oct 24, 2026; Data export: goodbudget.com/help/customize-your-goodbudget/export-transactions, as of Oct 24, 2026.
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.
Accounts
Goodbudget
App Store marketing imageApp Store image with the headline "Connect your bank (with a Premium subscription)" showing a Select Account screen.App Store listing, as of 
App Store marketing imageA Select Account screen for linking a bank account to Checking, with an Add New Bank Connection link.App Store listing, as of
Undebt.it
No official screen found yet
Transactions
Goodbudget
App Store marketing imageApp Store image with the headline "Practice conscious spending" showing an Add Transaction form.App Store listing, as of 
App Store marketing imageAn Add Transaction form with Type, Payee, Amount, Envelope, Account, Date and Schedule fields.App Store listing, as of 
Google Play marketing imageGoogle Play image with the headline "Practice conscious spending" showing the Android Add Transaction form.Google Play listing, as of
Undebt.it
No official screen found yet
Budget
Goodbudget
App Store marketing imageApp Store image with the headline "Sync & share a budget" showing the Envelopes screen with Food, Fun and Bills envelopes and progress bars.App Store listing, as of 
App Store marketing imageThe Envelopes screen with envelope groups, amounts left and bars, and a bottom tab bar.App Store listing, as of 
App Store marketing imageApp Store image with the headline "Create a budget that works" showing an Edit Budget screen.App Store listing, as of 
App Store marketing imageAn Edit Budget screen listing envelopes with amounts, an Add Envelope link and Total Budgeted 1508.App Store listing, as of 
App Store marketing imageApp Store image with the headline "Choose your style" showing the Envelopes screen in dark mode.App Store listing, as of 
Google Play marketing imageGoogle Play image with the headline "Sync & share a budget" showing the Android Envelopes screen.Google Play listing, as of 
Google Play marketing imageGoogle Play image with the headline "Plan before you spend" showing the Android Fill Envelopes screen.Google Play listing, as of
Undebt.it
No official screen found yet
Goals
Goodbudget
App Store marketing imageApp Store image with the headline "Track your debt progress" showing a Debt Progress chart for a car loan.App Store listing, as of 
App Store marketing imageA Debt Progress report with a payoff line to 2026 and a table showing the car loan balance and finish date.App Store listing, as of 
App Store marketing imageApp Store image with the headline "Save for big expenses" showing a Vacation envelope with its history.App Store listing, as of 
App Store marketing imageA Vacation envelope with 2,000.00 saved and a dated list of fills and income.App Store listing, as of
Undebt.it
No official screen found yet
Reports and insights
Goodbudget
App Store marketing imageApp Store image with the headline "See your spending" showing a Spending report pie chart for May 2024.App Store listing, as of 
App Store marketing imageA Spending report with a pie chart, total spending of 628.57 and a table of envelopes by share.App Store listing, as of 
App Store marketing imageApp Store image with the headline "Stay on budget" showing an Income vs Spending report with monthly bars.App Store listing, as of 
App Store marketing imageAn Income vs Spending report with paired monthly bars and a table of income, spending and net.App Store listing, as of
Undebt.it
No official screen found yet
Other screens
Goodbudget
App Store marketing imageThe bottom tab bar with Envelopes, Transactions, Accounts, Reports and More.App Store listing, as of
Undebt.it
No official screen found yet
Goodbudget and Undebt.it, side by side
Rows marked “Differs” are where the official sources say different things, and 3 rows do here. "Lower price" marks the lowest yearly price the sources list. It's a number, not our pick.
Swipe the table sideways to see both apps.
| Field | GoodbudgetBudgeting appGoodbudget is an envelope budgeting app with a free version and a paid Premium version.Visit Goodbudget'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 | Goodbudget has a free version. Goodbudget Premium costs $10 a month or $80 a year.As of Oct 24, 2026. Source: goodbudget.com/signup | 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 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 | Goodbudget lists Web, Android and iPhone.As of Oct 24, 2026. Source: goodbudget.com/signup | 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 | Premium only. Goodbudget Premium includes automatic bank sync for US banks only, and the free version does not list it.As of Oct 24, 2026. Source: goodbudget.com/signup | 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 |
| Not verified yet. |
| App store rating | Goodbudget has 4.6 out of 5 on the App Store from 13,515 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?
Goodbudget
Goodbudget has a free version. Goodbudget Premium costs $10 a month or $80 a year.
As of . Source: goodbudget.com
Does it connect to my bank and import transactions?
Goodbudget
Premium only. Goodbudget Premium includes automatic bank sync for US banks only, and the free version does not list it.
As of . Source: goodbudget.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?
Goodbudget
Yes. You can export your data.
In their words: “To export your transaction history in Goodbudget, click on the "Export CSV" link that's above the Transactions list.”
As of . Source: goodbudget.com
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?
Goodbudget
Yes. Community (Free) and email (Premium).
In their words: “Email support”
As of . Source: goodbudget.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?
Goodbudget
No. Your partner signs in to your same account.
In their words: “If you've already done that, you'll be able to share your budget with your partner by having them login to Goodbudget on their device using the same username / email address and password you created when you registered.”
As of . Source: goodbudget.com
Undebt.it
Not verified yet
Freelancer
Paid on an uneven schedule or running a side hustle? Here's what each app offers. See apps with a SEP IRA or Solo 401(k).
Can I track irregular income without messing up my monthly budget?
Goodbudget
Yes. It has official guidance for budgeting irregular income.
In their words: “If you get small or irregular paychecks, you can let them collect in Available.”
As of . Source: goodbudget.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?
Goodbudget
Yes. You can export your data and send the file.
In their words: “To export your transaction history in Goodbudget, click on the "Export CSV" link that's above the Transactions list.”
As of . Source: goodbudget.com
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.
ScramblerBoth Goodbudget 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 Goodbudget 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 Goodbudget cost?
Goodbudget has a free version. Goodbudget Premium costs $10 a month or $80 a year. 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 Goodbudget's app store rating?
Goodbudget has 4.6 out of 5 on the App Store from 13,515 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.
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Keep comparing
- See Goodbudget 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
- 2 of 15 facts
Goodbudget5 of 6 verified, 1 not verified yet, last checked Oct 24, 2026
- Price and feesgoodbudget.com/signup, as of Oct 24, 2026
- Free trialNot verified yet
- Platformsgoodbudget.com/signup, as of Oct 24, 2026
- Bank syncinggoodbudget.com/signup, as of Oct 24, 2026
- Featuresgoodbudget.com/what-you-get, as of Oct 24, 2026
- 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.
