Debt payoff comparison
PocketGuard 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
PocketGuard is a budgeting app and Undebt.it is a debt payoff app. PocketGuard Premium costs $12.99 a month, $74.99 a year billed yearly, or $149.99 once for lifetime access, while Undebt.it is free to use. We checked both on Oct 24, 2026, and the official sources differ on 4 of the 10 rows in the table below.
PocketGuard vs Undebt.it at a glance
PocketGuard 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 4 of the 10 rows in the table below.
Price and fees
PocketGuard Premium costs $12.99 a month, $74.99 a year billed yearly, or $149.99 once for lifetime access. Undebt.it is free to use. Undebt.it+ costs $10 a year. We checked both on Oct 24, 2026.
Free trial
PocketGuard offers a 7-day free trial. Undebt.it+ has a 30-day free trial, and you don't need a credit card to start it. We checked both on Oct 24, 2026.
Platforms
PocketGuard lists Web, iOS, Apple Watch and Android. Undebt.it lists Web, iPhone (home screen install) and Android (home screen install). We checked both on Oct 24, 2026.
Bank syncing
PocketGuard says it connects to more than 20,000 institutions in the US, Canada and the UK through Plaid, Finicity and Salt Edge. 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 PocketGuard yet, so check the official site for PocketGuard 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 PocketGuard yet, so check the official site for PocketGuard 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 PocketGuard yet, so check the official site for PocketGuard 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 PocketGuard yet, so check the official site for PocketGuard before you decide. We checked Undebt.it on Oct 24, 2026.
Features
PocketGuard lists goals, AI features and data export. We haven't verified the features for Undebt.it yet. We checked PocketGuard on Oct 24, 2026.
App store rating
PocketGuard has 4.6 out of 5 on the App Store from 7,681 ratings. We haven't verified this for Undebt.it yet, so check the official site for Undebt.it before you decide. We checked PocketGuard on Oct 24, 2026. Store ratings are a dated snapshot from each listing, not our score.
What it costs
PocketGuard$12.99a month
PocketGuard Premium costs $12.99 a month, $74.99 a year billed yearly, or $149.99 once for lifetime access.
$74.99 a year, from the yearly priceCost over 1 and 3 years: $74.99 and $224.97, at the yearly list price before tax.
As of · pocketguard.com/pricing
- 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
- PocketGuard
- 7 days
- Undebt.it
- 30 days
Source
- PocketGuard offers a 7-day free trial. pocketguard.com/pricing, as of Oct 24, 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
- PocketGuard
- 4.67,681 ratings
- Undebt.it
- Not verified yet
Source
- PocketGuard has 4.6 out of 5 on the App Store from 7,681 ratings. App Store listing, as of Oct 24, 2026.
- Undebt.it: Not verified yet.
Platforms
- PocketGuard
- Web
- iOS
- Apple Watch
- Android
- Undebt.it
- Web
- iPhone (home screen install)
- Android (home screen install)
Source
- PocketGuard lists Web, iOS, Apple Watch and Android. pocketguard.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
- PocketGuard
- Yes
- Undebt.it
- Undebt
Source
- Yes. PocketGuard says it connects to more than 20,000 institutions in the US, Canada and the UK through Plaid, Finicity and Salt Edge. pocketguard.com, 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
- PocketGuard
- 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
- PocketGuard: 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
- PocketGuard
- Not verified yet
- Undebt.it
- Yes
Source
- PocketGuard: 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
- PocketGuard
- Not verified yet
- Undebt.it
- Yes
Source
- PocketGuard: 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
- PocketGuard
- Not verified yet
- Undebt.it
- Undebt
Source
- PocketGuard: 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 | PocketGuard | Undebt.it |
|---|---|---|
| AI features | Listed by the source | Not verified yet |
| Savings goals | Listed by the source | Not verified yet |
| Shared budgets | Shared login: you both sign in to the same account | 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. Shared login means you both sign in to the same account, with no separate partner login. PocketGuard: pocketguard.com/pricing, as of Oct 24, 2026; Shared budgets: pocketguard.com/help/how-to-share-the-access-to-pocketguard-profile-with-another-person, 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
PocketGuard
App Store marketing imageApp Store image with a tilted phone showing account balances and press logos with a user quote.App Store listing, as of
Undebt.it
No official screen found yet
Budget
PocketGuard
App Store marketing imageApp Store image with the headline "Budget App to control your finances" showing estimated income and Regular payments.App Store listing, as of 
App Store marketing imageA plan screen with Estimated income and a Regular payments section listing bills with dates and amounts.App Store listing, as of 
App Store marketing imageApp Store image with the headline "Tracking App to analyze expenses" showing a Spending & Budgets screen.App Store listing, as of 
App Store marketing imageA Spending & Budgets screen with category budgets and amounts left to spend.App Store listing, as of 
App Store marketing imageApp Store image with the headline "Budget Planner to forecast a surplus" showing a Leftover of $2,965.App Store listing, as of 
App Store marketing imageA Leftover card showing $2,965.App Store listing, as of
Undebt.it
No official screen found yet
Goals
PocketGuard
Google Play marketing imageGoogle Play image with the headline "Reach Goals" showing a Goals screen with New car, House and Vacation goals.Google Play listing, as of 
Google Play marketing imageGoogle Play image with the headline "Debt Payoff" showing a debt payoff plan with Avalanche strategy and a debt free date.Google Play listing, as of
Undebt.it
No official screen found yet
Reports and insights
PocketGuard
App Store marketing imageApp Store image with the headline "All accounts in One Pocket" over a tilted phone with a spending pie chart for July.App Store listing, as of 
Google Play marketing imageGoogle Play image with the headline "Budget, Goals and Expense Tracker in one pocket" showing a Leftover amount and a trends chart.Google Play listing, as of
Undebt.it
No official screen found yet
Bills and recurring
PocketGuard
App Store marketing imageApp Store image with the headline "Bill Organizer for recurring bills & subscriptions" showing a Bills screen.App Store listing, as of 
App Store marketing imageA Bills screen with Upcoming and All tabs and bills grouped by month.App Store listing, as of 
App Store marketing imageApp Store image with the headline "Subscription Manager to track and cancel subscriptions" showing a Cancel subscriptions screen.App Store listing, as of 
App Store marketing imageA Cancel subscriptions screen with a search box and a list of services with savings amounts.App Store listing, as of
Undebt.it
No official screen found yet
Getting started
PocketGuard
App Store marketing imageApp Store image with the headline "Add bank accounts to simplify budgeting" showing a Connect banks & credit cards screen.App Store listing, as of
Undebt.it
No official screen found yet
PocketGuard and Undebt.it, side by side
Rows marked “Differs” are where the official sources say different things, and 4 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 | PocketGuardBudgeting appPocketGuard is a paid budgeting app that tracks your accounts, bills and budgets and shows what is safe to spend.Visit PocketGuard'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 | PocketGuard Premium costs $12.99 a month, $74.99 a year billed yearly, or $149.99 once for lifetime access.As of Oct 24, 2026. Source: pocketguard.com/pricing | 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 | PocketGuard offers a 7-day free trial.As of Oct 24, 2026. Source: pocketguard.com/pricing | 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 | PocketGuard lists Web, iOS, Apple Watch and Android.As of Oct 24, 2026. Source: pocketguard.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 | Yes. PocketGuard says it connects to more than 20,000 institutions in the US, Canada and the UK through Plaid, Finicity and Salt Edge.As of Oct 24, 2026. Source: pocketguard.com | 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 | PocketGuard has 4.6 out of 5 on the App Store from 7,681 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?
PocketGuard
PocketGuard Premium costs $12.99 a month, $74.99 a year billed yearly, or $149.99 once for lifetime access.
As of . Source: pocketguard.com
Does it connect to my bank and import transactions?
PocketGuard
Yes. PocketGuard says it connects to more than 20,000 institutions in the US, Canada and the UK through Plaid, Finicity and Salt Edge.
As of . Source: pocketguard.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?
PocketGuard
Yes. You can export your data.
In their words: “Import & Export transactions”
As of . Source: pocketguard.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?
PocketGuard
Yes. Email, AI chat and priority human support (paid plan).
In their words: “If you have any issues, questions, or suggestions, please feel free to contact us at support@pocketguard.com.”
As of . Source: pocketguard.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?
PocketGuard
No. Your partner signs in to your same account.
In their words: “You and your spouse can share the same PocketGuard profile together on different devices, you just need to sign in with the same login and password or use the same Google/Apple account (you'd better create a new one instead of using the personal one).”
As of . Source: pocketguard.com
Undebt.it
Not verified yet
Can we keep shared and individual views?
PocketGuard
No. You both see the same shared view.
In their words: “At the moment, we don't have the option to switch between family and personal views.”
As of . Source: pocketguard.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?
PocketGuard
Yes. You can export your data and send the file.
In their words: “Import & Export transactions”
As of . Source: pocketguard.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.
SpenderPocketGuard 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 PocketGuard 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 PocketGuard 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 PocketGuard cost?
PocketGuard Premium costs $12.99 a month, $74.99 a year billed yearly, or $149.99 once for lifetime access. 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.
Does PocketGuard have a free trial?
PocketGuard offers a 7-day free trial. We checked this on Oct 24, 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.
Similar comparisons
EveryDollarBudgeting appUndebt.itDebt payoff appEveryDollar vs Undebt.it
See EveryDollar and Undebt.it side by side, with every fact dated.
Data side by side- Undebt.itDebt payoff app
YNABBudgeting appUndebt.it vs YNAB
See Undebt.it and YNAB side by side, with every fact dated.
Data side by side 
ChangedDebt payoff appEveryDollarBudgeting appChanged 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 
Debt Payoff PlannerDebt payoff appEveryDollarBudgeting 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 appYNABBudgeting app
Debt Payoff Planner vs YNAB
See Debt Payoff Planner and YNAB 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 appUndebt.itDebt payoff app
Debt Payoff Planner vs Undebt.it
See Debt Payoff Planner and Undebt.it side by side, with every fact dated.
Data side by side - ChangedDebt payoff appDebt Payoff PlannerDebt payoff app
Changed vs Debt Payoff Planner
See Changed and Debt Payoff Planner side by side, with every fact dated.
Data side by side
Keep comparing
- See PocketGuard 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
- 1 of 15 facts
PocketGuard6 of 6 verified, last checked Oct 24, 2026
- Price and feespocketguard.com/pricing, as of Oct 24, 2026
- Free trialpocketguard.com/pricing, as of Oct 24, 2026
- Platformspocketguard.com, as of Oct 24, 2026
- Bank syncingpocketguard.com, as of Oct 24, 2026
- Featurespocketguard.com/pricing, 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.
