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Debt payoff comparison

Rocket Money vs Undebt.it

Updated

Undebt.it logo

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

Rocket Money is a budgeting app and Undebt.it is a debt payoff app. Rocket Money 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.

Rocket Money vs Undebt.it at a glance

Rocket Money 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

Rocket Money has a free version. Premium uses a pay what you think is fair price that Rocket Money says typically ranges from $7 to $14 a month, and Premium+ costs $15 a month. 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 Rocket Money yet, so check the official site for Rocket Money before you decide. We checked Undebt.it on Oct 24, 2026.

Platforms

Rocket Money lists iOS, Android and Web. Undebt.it lists Web, iPhone (home screen install) and Android (home screen install). We checked both on Oct 24, 2026.

Bank syncing

Rocket Money says it connects to your accounts through Plaid. 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 Rocket Money yet, so check the official site for Rocket Money 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 Rocket Money yet, so check the official site for Rocket Money 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 Rocket Money yet, so check the official site for Rocket Money 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 Rocket Money yet, so check the official site for Rocket Money before you decide. We checked Undebt.it on Oct 24, 2026.

Features

Rocket Money lists goals, shared budgets, AI features and data export. We haven't verified the features for Undebt.it yet. We checked Rocket Money on Oct 24, 2026.

App store rating

Rocket Money has 4.5 out of 5 on the App Store from 401,884 ratings. We haven't verified this for Undebt.it yet, so check the official site for Undebt.it before you decide. We checked Rocket Money on Oct 24, 2026. Store ratings are a dated snapshot from each listing, not our score.

What it costs

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.

At a glance

  • Free trial

    Rocket Money
    Not verified yet
    Undebt.it
    30 days
    Source
  • App Store rating

    Rocket Money
    4.5401,884 ratings
    Undebt.it
    Not verified yet
    Source
    • Rocket Money has 4.5 out of 5 on the App Store from 401,884 ratings. App Store listing, as of Oct 24, 2026.
    • Undebt.it: Not verified yet.
  • Platforms

    Rocket Money
    • iOS
    • Android
    • Web
    Undebt.it
    • Web
    • iPhone (home screen install)
    • Android (home screen install)
    Source
  • Bank syncing

    Rocket Money
    Yes
    Undebt.it
    Undebt
    Source
  • Payoff methods

    Rocket Money
    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
    • Rocket Money: 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

    Rocket Money
    Not verified yet
    Undebt.it
    Yes
    Source
  • Extra payments

    Rocket Money
    Not verified yet
    Undebt.it
    Yes
    Source
    • Rocket Money: 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

    Rocket Money
    Not verified yet
    Undebt.it
    Undebt
    Source
    • Rocket Money: 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.
FeatureRocket MoneyUndebt.it
AI featuresListed by the sourceNot verified yet
Savings goalsListed by the sourceNot verified yet
Shared budgetsListed by the sourceNot verified yet
Data exportListed by the sourceNot verified yet

✓ means the official site lists it. ? means we haven't verified it yet, not that the app lacks it. Rocket Money: rocketmoney.com/learn/personal-finance/how-much-does-rocket-money-cost, 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.

Home

Rocket Money logoRocket Money

  • Rocket Money Dashboard
    From Rocket Money's help centerThe Dashboard with current spend this month, a Payday in 8 days row and account balances.help.rocketmoney.com, as of

Undebt.it logoUndebt.it

No official screen found yet

Accounts

Rocket Money logoRocket Money

  • Rocket Money App Store image of the Net worth tab
    App Store marketing imageApp Store image with the headline "Track and see your net worth" showing the Net worth tab.App Store listing, as of
  • Rocket Money Net worth tab
    App Store marketing imageThe Net worth tab: $69,556 with a line chart and a Summary of Assets, Debt and Net Worth.App Store listing, as of
  • Rocket Money net worth chart
    App Store marketing imageA Net Worth card with $69,556, a line chart and time range buttons from 1M to All.App Store listing, as of

Undebt.it logoUndebt.it

No official screen found yet

Transactions

Rocket Money logoRocket Money

  • Rocket Money Transactions tab
    From Rocket Money's help centerThe Transactions tab with a search box and a list of transactions with icons and amounts.help.rocketmoney.com, as of
  • Rocket Money transaction detail
    From Rocket Money's help centerA transaction detail for Fish Taco with options to rename, mark recurring, ignore, add tags, add a note, create a rule or split.help.rocketmoney.com, as of
  • Rocket Money split transaction screen
    From Rocket Money's help centerA Split transaction screen dividing $49.90 by equal amounts into two parts.help.rocketmoney.com, as of

Undebt.it logoUndebt.it

No official screen found yet

Budget

Rocket Money logoRocket Money

  • Rocket Money App Store image of the Budget screen
    App Store marketing imageApp Store image with the headline "Create monthly budgets that work for you" showing the Budget screen for September 2025.App Store listing, as of
  • Rocket Money Budget screen
    App Store marketing imageThe Budget screen: $623 left to spend, Bills & Utilities and Earnings cards, and Category Budgets.App Store listing, as of
  • Rocket Money left to spend card
    App Store marketing imageA Spending card reading $623 left to spend with a progress bar and a $48/day for 13d note.App Store listing, as of

Undebt.it logoUndebt.it

No official screen found yet

Categories

Rocket Money logoRocket Money

  • Rocket Money New Category form
    From Rocket Money's help centerA New Category form with name, color, icon and category group fields and a Save Category button.help.rocketmoney.com, as of

Undebt.it logoUndebt.it

No official screen found yet

Goals

Rocket Money logoRocket Money

  • Rocket Money goal picker
    From Rocket Money's help centerA goal setup screen listing Emergency Savings, Pay Off Credit Card Debt and other goals to choose from.help.rocketmoney.com, as of
  • Rocket Money Goals screen
    From Rocket Money's help centerThe Goals screen with a deposit streak, Vacation Savings and Emergency Savings progress and milestone badges.help.rocketmoney.com, as of

Undebt.it logoUndebt.it

No official screen found yet

Reports and insights

Rocket Money logoRocket Money

  • Rocket Money App Store image of the Spending tab
    App Store marketing imageApp Store image with the headline "Keep track of your monthly expenses" showing the Spending tab.App Store listing, as of
  • Rocket Money Spending tab
    App Store marketing imageThe Spending tab with Week, Month, Quarter and Year buttons, monthly bars, and Income, Total Spend and Net Income rows.App Store listing, as of
  • Rocket Money income and spend rows
    App Store marketing imageThree rows: Income $4,800, Total Spend $4,426 and Net Income $374.App Store listing, as of

Undebt.it logoUndebt.it

No official screen found yet

Bills and recurring

Rocket Money logoRocket Money

  • Rocket Money App Store image of the Recurring tab
    App Store marketing imageApp Store image with the headline "See exactly where your money is going" showing the Recurring tab with a Coming up calendar.App Store listing, as of
  • Rocket Money Recurring tab
    App Store marketing imageThe Recurring tab: a Coming up card with a week calendar, then Coming Up and Coming Later charges.App Store listing, as of
  • Rocket Money App Store image of the cancellation screen
    App Store marketing imageApp Store image with the headline "Cancel unused subscriptions with just a few taps" showing a "See what we can cancel for you" screen.App Store listing, as of
  • Rocket Money cancellation start screen
    App Store marketing imageA screen reading "See what we can cancel for you" with a Start a cancellation button.App Store listing, as of
  • Rocket Money App Store image of Lower your bills
    App Store marketing imageApp Store image with the headline "We negotiate to help you lower bills" showing a Lower your bills screen.App Store listing, as of
  • Rocket Money Lower your bills screen
    App Store marketing imageA Lower your bills screen with bills from DirecTV, AT&T and Spectrum, each with a "Lower for me" button.App Store listing, as of
  • Rocket Money Recurring list
    From Rocket Money's help centerThe Recurring tab on All, listing subscriptions and bills with amounts and how often they charge.help.rocketmoney.com, as of
  • Rocket Money Cancel Netflix form
    From Rocket Money's help centerA Cancel Netflix form asking for name, email, phone, billing address and the last 4 digits of the card.help.rocketmoney.com, as of
  • Rocket Money Coming up calendar card
    App Store marketing imageA Coming up card that says 4 recurring charges are due in the next 7 days, above a two-week calendar.App Store listing, as of

Undebt.it logoUndebt.it

No official screen found yet

Sharing with a partner

Rocket Money logoRocket Money

  • Rocket Money Share your finances screen
    From Rocket Money's help centerA "Share your finances?" screen with Full Name and Email Address fields and a Share my Account button.help.rocketmoney.com, as of
  • Rocket Money Shared confirmation
    From Rocket Money's help centerA "Shared!" confirmation saying the account was shared and the partner will get an email.help.rocketmoney.com, as of

Undebt.it logoUndebt.it

No official screen found yet

AI assistant

Rocket Money logoRocket Money

  • Rocket Money App Store image of a Rowan text chat
    App Store marketing imageApp Store image with the headline about an AI-powered assistant showing a text chat with Rowan by Rocket Money.App Store listing, as of
  • Rocket Money Rowan text conversation
    App Store marketing imageA text conversation where Rowan comments on Dining & Drinks and Grocery spending and the user replies.App Store listing, as of

Undebt.it logoUndebt.it

No official screen found yet

Rocket Money and Undebt.it, side by side

Rows marked “Differs” are where the official sources say different things, and 3 rows do here.

No row matches exactly, so all 10 rows stay. Rows we can't compare yet dim.

Swipe the table sideways to see both apps.

Rocket Money and Undebt.it compared. Each cell shows the date it was checked and links to its source.
FieldRocket Money logoRocket MoneyBudgeting appRocket Money is a budgeting app that tracks your spending and subscriptions, with a free version and paid Premium and Premium+ tiers.Visit Rocket Money's siteUndebt.it logoUndebt.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 feesDiffersRocket Money has a free version. Premium uses a pay what you think is fair price that Rocket Money says typically ranges from $7 to $14 a month, and Premium+ costs $15 a month.As of Oct 24, 2026. Source: rocketmoney.com/learn/personal-finance/how-much-does-rocket-money-costUndebt.it is free to use. Undebt.it+ costs $10 a year.As of Oct 24, 2026. Source: undebt.it/pricing-features-reviews.php
Free trialNot 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
PlatformsDiffersRocket Money lists iOS, Android and Web.As of Oct 24, 2026. Source: rocketmoney.com/learn/personal-finance/how-much-does-rocket-money-costUndebt.it lists Web, iPhone (home screen install) and Android (home screen install).As of Oct 24, 2026. Source: undebt.it/faq-article.php
Bank syncingDiffersYes. Rocket Money says it connects to your accounts through Plaid.As of Oct 24, 2026. Source: rocketmoney.com/learn/personal-finance/how-much-does-rocket-money-costUndebt.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 methodsNot 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 dateNot 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 paymentsNot 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 remindersNot 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: Goals
  • Yes: Shared budgets
  • Yes: AI features
  • Yes: Export
As of Oct 24, 2026. Source: rocketmoney.com/learn/personal-finance/how-much-does-rocket-money-cost
Not verified yet.
App store ratingRocket Money has 4.5 out of 5 on the App Store from 401,884 ratings.As of Oct 24, 2026. Source: App Store listingNot 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?

    Rocket Money

    Rocket Money has a free version. Premium uses a pay what you think is fair price that Rocket Money says typically ranges from $7 to $14 a month, and Premium+ costs $15 a month.

    As of . Source: rocketmoney.com

    Undebt.it

    Undebt.it is free to use. Undebt.it+ costs $10 a year.

    As of . Source: undebt.it

  • Does it connect to my bank and import transactions?

    Rocket Money

    Yes. Rocket Money says it connects to your accounts through Plaid.

    As of . Source: rocketmoney.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?

    Rocket Money

    Yes. You can export your data.

    In their words: “You can also add notes to any transaction (helpful for remembering context months later), create manual transactions for cash purchases or accounts you prefer not to link, and export filtered transaction lists to CSV files for further analysis or tax preparation.”

    As of . Source: rocketmoney.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?

    Rocket Money

    Yes. In-app chat and email.

    In their words: “However, as we are an app-based service, all our support is currently provided digitally.”

    As of . Source: help.rocketmoney.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?

    Rocket Money

    Yes. Your partner gets their own login.

    In their words: “Each partner receives their own unique login credentials and can set their own multi-factor authentication (MFA) preferences for added security.”

    As of . Source: help.rocketmoney.com

    Undebt.it

    Not verified yet

  • How many people can share one account?

    Rocket Money

    Up to 2 people, including you.

    In their words: “Currently, Account Sharing is designed for two people-typically a primary account holder and one partner.”

    As of . Source: help.rocketmoney.com

    Undebt.it

    Not verified yet

  • Can we keep shared and individual views?

    Rocket Money

    No. You both see the same shared view.

    In their words: “Collaborate on finances by sharing your account with trusted family members or financial advisors - they'll see everything you see, making financial planning a team effort.”

    As of . Source: help.rocketmoney.com

    Undebt.it

    Not verified yet

  • Can we set up joint budgets and goals?

    Rocket Money

    Yes. You can work toward goals together.

    In their words: “Create Financial Goals and save toward shared priorities, such as an emergency fund or vacation.”

    As of . Source: help.rocketmoney.com

    Undebt.it

    Not verified yet

Family

Bringing in more of the household? Here's what each app says about families and kids. See apps with custodial accounts for kids.

  • How many people can share one account?

    Rocket Money

    Up to 2 people, including you.

    In their words: “Currently, Account Sharing is designed for two people-typically a primary account holder and one partner.”

    As of . Source: help.rocketmoney.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 mix business and personal expenses in this app?

    Rocket Money

    Yes. You can track business spending next to personal spending.

    In their words: “Create as many customized budget categories from your linked accounts as you need for different aspects of your life - whether that be from your personal expenses, family finances, or business costs.”

    As of . Source: help.rocketmoney.com

    Undebt.it

    Not verified yet

  • Can I export my transactions for tax prep?

    Rocket Money

    Yes. You can export your transactions for tax prep.

    In their words: “Download your transaction data for specific time periods, perfect for tax preparation, personal record-keeping, or detailed financial analysis.”

    As of . Source: help.rocketmoney.com

    Undebt.it

    Not verified yet

Business

Running a small business? Here's what each app says about business money.

  • Can I mix business and personal expenses in this app?

    Rocket Money

    Yes. You can track business spending next to personal spending.

    In their words: “Create as many customized budget categories from your linked accounts as you need for different aspects of your life - whether that be from your personal expenses, family finances, or business costs.”

    As of . Source: help.rocketmoney.com

    Undebt.it

    Not verified yet

  • Can I export my transactions for tax prep?

    Rocket Money

    Yes. You can export your transactions for tax prep.

    In their words: “Download your transaction data for specific time periods, perfect for tax preparation, personal record-keeping, or detailed financial analysis.”

    As of . Source: help.rocketmoney.com

    Undebt.it

    Not verified yet

  • Can I share my finances with my accountant?

    Rocket Money

    Yes. You can export your data and send the file.

    In their words: “You can also add notes to any transaction (helpful for remembering context months later), create manual transactions for cash purchases or accounts you prefer not to link, and export filtered transaction lists to CSV files for further analysis or tax preparation.”

    As of . Source: rocketmoney.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.

  • 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

    Rocket Money 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.

  • 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

    Both Rocket Money 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 Rocket Money 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 Rocket Money cost?

Rocket Money has a free version. Premium uses a pay what you think is fair price that Rocket Money says typically ranges from $7 to $14 a month, and Premium+ costs $15 a month. 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 Rocket Money's app store rating?

Rocket Money has 4.5 out of 5 on the App Store from 401,884 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

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.

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

Save this comparison

Pin it so you can find it again when you're ready to choose.

Sources and confidence

Last checked
Not verified yet
2 of 15 facts
Rocket Money5 of 6 verified, 1 not verified yet, last checked Oct 24, 2026
Undebt.it8 of 9 verified, 1 not verified yet, last checked Oct 24, 2026

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.