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Debt payoff comparison

Simplifi 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

Simplifi is a budgeting app and Undebt.it is a debt payoff app. Quicken Simplifi lists $6.99 a month, billed annually, 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.

Simplifi vs Undebt.it at a glance

Simplifi 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

Quicken Simplifi lists $6.99 a month, billed annually. New members who order directly from Quicken by November 22, 2026 see a first-year offer of $3.99 a month, billed annually. 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 Simplifi yet, so check the official site for Simplifi before you decide. We checked Undebt.it on Oct 24, 2026.

Platforms

Quicken Simplifi lists Web and Mobile. Undebt.it lists Web, iPhone (home screen install) and Android (home screen install). We checked both on Oct 24, 2026.

Bank syncing

Quicken says Simplifi connects to over 14,000 financial institutions. 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 Simplifi yet, so check the official site for Simplifi 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 Simplifi yet, so check the official site for Simplifi 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 Simplifi yet, so check the official site for Simplifi 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 Simplifi yet, so check the official site for Simplifi before you decide. We checked Undebt.it on Oct 24, 2026.

Features

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

What it costs

  • Quicken Simplifi

    $6.99a month, billed yearly

    Quicken Simplifi lists $6.99 a month, billed annually. New members who order directly from Quicken by November 22, 2026 see a first-year offer of $3.99 a month, billed annually.

    As of · quicken.com/products/simplifi

  • Undebt.it logoUndebt.it

    $10a year

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

    Cost over 1 and 3 years: $10 and $30, at the yearly list price before tax.

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

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

    Simplifi
    Not verified yet
    Undebt.it
    Not verified yet
    Source
    • Simplifi: Not verified yet.
    • Undebt.it: Not verified yet.
  • Platforms

    Simplifi
    • Web
    • Mobile
    Undebt.it
    • Web
    • iPhone (home screen install)
    • Android (home screen install)
    Source
  • Bank syncing

    Simplifi
    Yes
    Undebt.it
    Undebt
    Source
    • Yes. Quicken says Simplifi connects to over 14,000 financial institutions. quicken.com/products/simplifi, 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

    Simplifi
    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
    • Simplifi: 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

    Simplifi
    Not verified yet
    Undebt.it
    Yes
    Source
  • Extra payments

    Simplifi
    Not verified yet
    Undebt.it
    Yes
    Source
    • Simplifi: 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

    Simplifi
    Not verified yet
    Undebt.it
    Undebt
    Source
    • Simplifi: 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.
FeatureSimplifiUndebt.it
Savings goalsListed by the sourceNot verified yet
Shared budgetsListed by the sourceNot verified yet
Investment trackingListed 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. Simplifi: quicken.com/products/simplifi, as of Oct 24, 2026; Data export: support.simplifi.quicken.com/en/articles/3404263-how-to-export-transactions-from-quicken-simplifi, as of Oct 24, 2026; Shared budgets: support.simplifi.quicken.com/en/articles/6443103-how-to-use-spaces-sharing-in-quicken-simplifi, 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

Quicken Simplifi

  • Quicken App Store image of a projected cash flow screen
    App Store marketing imageApp Store image with the headline "Know what's next with your money" showing a hand holding a phone with a Quicken screen, a Projected Cash Flow chart and Banking balances.App Store listing, as of
  • Quicken screen with projected cash flow
    App Store marketing imageA Quicken screen with a Projected Cash Flow chart, Banking balances and three income rows.App Store listing, as of
  • Quicken App Store image of projected cash flow
    App Store marketing imageApp Store image with the headline "Tools that are predictive & adaptive" showing a Projected Cash Flow chart and Banking balances.App Store listing, as of
  • Simplifi mobile dashboard
    From Simplifi's help centerThe mobile dashboard with a Banking card, a note that 3 accounts need attention and Recent Spending.support.simplifi.quicken.com, as of

Undebt.it logoUndebt.it

No official screen found yet

Accounts

Quicken Simplifi

  • Simplifi All Accounts screen
    From Simplifi's help centerThe All Accounts screen with net worth, business accounts and personal Banking accounts grouped with balances.support.simplifi.quicken.com, as of

Undebt.it logoUndebt.it

No official screen found yet

Transactions

Quicken Simplifi

  • Simplifi transaction list
    From Simplifi's help centerA transaction list with a search box, each row showing payee, category, amount and date.support.simplifi.quicken.com, as of

Undebt.it logoUndebt.it

No official screen found yet

Budget

Quicken Simplifi

  • Quicken App Store image of a spending plan
    App Store marketing imageApp Store image with the headline "Smart budgeting" showing $1,415 left this month with a donut chart and spending plan rows.App Store listing, as of
  • Quicken spending plan card
    App Store marketing imageA spending plan card: $1,415 left this month, a donut chart, and Income, Bills, Planned Spend, Other Spend and Savings Goals rows.App Store listing, as of
  • Simplifi mobile Spending Plan
    From Simplifi's help centerThe mobile Spending Plan for October 2026 with Income, Bills, Planned Spend, Other Spend and Savings Goals rows and a Left this month ring.support.simplifi.quicken.com, as of
  • Quicken spending plan rows
    App Store marketing imageSpending plan rows for Income, Bills, Planned Spend, Other Spend and Savings Goals with amounts.App Store listing, as of
  • Simplifi Left this month card
    From Simplifi's help centerA Left this month card showing $3,987.80 with a ring chart and $173.38 left per day.support.simplifi.quicken.com, as of

Undebt.it logoUndebt.it

No official screen found yet

Goals

Quicken Simplifi

  • Simplifi Create a goal screen
    From Simplifi's help centerA Create a goal screen with choices like Buy a car, Emergency Fund, Wedding, Vacation, Home and Custom.support.simplifi.quicken.com, as of
  • Simplifi Savings Goals screen
    From Simplifi's help centerThe Savings Goals screen with a Fall Wedding goal at 35%, $350 saved and a target date.support.simplifi.quicken.com, as of

Undebt.it logoUndebt.it

No official screen found yet

Reports and insights

Quicken Simplifi

  • Quicken App Store image of a net income chart
    App Store marketing imageApp Store image with the headline "Business & personal finances in one clear view" showing a Net Income chart and income rows.App Store listing, as of
  • Quicken net income chart
    App Store marketing imageA Net Income bar chart by month, three income rows and a Left this month donut.App Store listing, as of
  • Quicken projected cash flow chart
    App Store marketing imageA Projected Cash Flow chart with a Today marker and a projected balance of $31,452.App Store listing, as of

Undebt.it logoUndebt.it

No official screen found yet

Bills and recurring

Quicken Simplifi

  • Simplifi Recurring list
    From Simplifi's help centerThe Recurring list with filters for All Active, Income, Bills and Subscriptions and each series' next date and frequency.support.simplifi.quicken.com, as of

Undebt.it logoUndebt.it

No official screen found yet

Investments

Quicken Simplifi

  • Quicken App Store image of retirement and investments
    App Store marketing imageApp Store image with the headline "Turn what ifs into an actual plan" showing a Retirement chart and an Investments value.App Store listing, as of
  • Quicken retirement and investments cards
    App Store marketing imageA Retirement projection chart and an Investments card with $200,725 and a value chart.App Store listing, as of
  • Quicken App Store image of investments by month
    App Store marketing imageApp Store image with the headline "All your finances in one, and then some" showing an Investments value chart and a monthly value list.App Store listing, as of
  • Simplifi Investments screen
    From Simplifi's help centerThe mobile Investments screen with Holdings, Balances and Performance tabs, a market value, related news and holdings.support.simplifi.quicken.com, as of

Undebt.it logoUndebt.it

No official screen found yet

Sharing with a partner

Quicken Simplifi

  • Simplifi Spaces and sharing settings
    From Simplifi's help centerThe web Spaces & sharing settings with the user's financial spaces and a Shared with you section.support.simplifi.quicken.com, as of
  • Simplifi Space sharing invitation email
    From Simplifi's help centerAn invitation email that says Andrea wants to share their Space, with an Accept invitation button.support.simplifi.quicken.com, as of

Undebt.it logoUndebt.it

No official screen found yet

Other screens

Quicken Simplifi

  • Quicken App Store image of an invoice
    App Store marketing imageApp Store image with the headline "Run your business confidently" showing income rows and an invoice marked Paid in full.App Store listing, as of

Undebt.it logoUndebt.it

No official screen found yet

Quicken Simplifi 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.

Quicken Simplifi and Undebt.it compared. Each cell shows the date it was checked and links to its source.
FieldQuicken SimplifiBudgeting appQuicken Simplifi is a paid web and mobile app that builds a spending plan from your income, bills and subscriptions.Visit Quicken Simplifi'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 feesDiffersQuicken Simplifi lists $6.99 a month, billed annually. New members who order directly from Quicken by November 22, 2026 see a first-year offer of $3.99 a month, billed annually.As of Oct 24, 2026. Source: quicken.com/products/simplifiUndebt.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
PlatformsDiffersQuicken Simplifi lists Web and Mobile.As of Oct 24, 2026. Source: quicken.com/products/simplifiUndebt.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. Quicken says Simplifi connects to over 14,000 financial institutions.As of Oct 24, 2026. Source: quicken.com/products/simplifiUndebt.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: Investment tracking
  • Yes: Export
As of Oct 24, 2026. Source: quicken.com/products/simplifiShared budgets: Spaces and sharing: one other member with their own Quicken ID, no second subscription. As of Oct 24, 2026. Source: support.simplifi.quicken.com/en/articles/6443103-how-to-use-spaces-sharing-in-quicken-simplifiExport: CSV export, web app only. As of Oct 24, 2026. Source: support.simplifi.quicken.com/en/articles/3404263-how-to-export-transactions-from-quicken-simplifi
Not verified yet.
App store ratingNot verified yet.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?

    Simplifi

    Quicken Simplifi lists $6.99 a month, billed annually. New members who order directly from Quicken by November 22, 2026 see a first-year offer of $3.99 a month, billed annually.

    As of . Source: quicken.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?

    Simplifi

    Yes. Quicken says Simplifi connects to over 14,000 financial institutions.

    As of . Source: quicken.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?

    Simplifi

    Yes. You can export your data.

    In their words: “Currently, the only available export format is CSV (Comma-Separated Values), which is compatible with most spreadsheet applications like Excel and Google Sheets.”

    As of . Source: support.simplifi.quicken.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?

    Simplifi

    Yes. Live chat, phone and community.

    In their words: “You can reach out to our support team via chat, phone, or the Quicken Simplifi Community, each with specific hours.”

    As of . Source: support.simplifi.quicken.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?

    Simplifi

    Yes. Your partner gets their own login.

    In their words: “You can share your Quicken Simplifi data with one additional member, who will need their own Quicken ID and password, but does not need their own Quicken Simplifi Subscription.”

    As of . Source: support.simplifi.quicken.com

    Undebt.it

    Not verified yet

  • How many people can share one account?

    Simplifi

    Up to 2 people, including you.

    In their words: “You can add one other person with our "spaces & sharing" feature.”

    As of . Source: quicken.com

    Undebt.it

    Not verified yet

  • Can we keep shared and individual views?

    Simplifi

    No. You both see the same shared view.

    In their words: “Note: Some limited-access capabilities-like sharing specific accounts or features or viewing and adding attachments to transactions-are not yet available, but may be added for Space Sharing in the future.”

    As of . Source: support.simplifi.quicken.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?

    Simplifi

    Up to 2 people, including you.

    In their words: “You can add one other person with our "spaces & sharing" feature.”

    As of . Source: quicken.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 export my transactions for tax prep?

    Simplifi

    Yes. You can export your transactions for tax prep.

    In their words: “The Taxes report also supports TXF and TXJ formats for use with tax preparation software.”

    As of . Source: support.simplifi.quicken.com

    Undebt.it

    Not verified yet

Business

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

  • Can I export my transactions for tax prep?

    Simplifi

    Yes. You can export your transactions for tax prep.

    In their words: “The Taxes report also supports TXF and TXJ formats for use with tax preparation software.”

    As of . Source: support.simplifi.quicken.com

    Undebt.it

    Not verified yet

  • Can I share my finances with my accountant?

    Simplifi

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

    In their words: “Currently, the only available export format is CSV (Comma-Separated Values), which is compatible with most spreadsheet applications like Excel and Google Sheets.”

    As of . Source: support.simplifi.quicken.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

    Simplifi lists investment tracking. That fits a Strategist, who wants to watch the whole plan grow.

    First fix: Save the Raise.

  • Spender

    Simplifi 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 Simplifi 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 Simplifi 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 Simplifi users say

Based on 34 App Store reviews, 18 Reddit posts and 2 Hacker News posts dated Oct 2025 to Oct 2026, read Oct 2026. We collected the Reddit data with Apify, a scraping service, on Oct 24, 2026.

  • Of the 54 reviews and posts we read, 17 mention how easy or hard the app is to use.
  • Of the 54 reviews and posts we read, 15 mention the price, fees or the subscription.
  • Of the 54 reviews and posts we read, 8 mention syncing or connecting accounts.

Positive

“...Simplifi by far is the easiest to use and has the most intuitive UI.”
App Store reviewer on the App Store, . See the App Store reviews. Apple doesn't give single reviews their own link, so this opens the app's reviews.

Critical

“Quicken Simplifi has been a huge disappointment. I have multiple high-usage accounts that have lost connectivity...”
App Store reviewer on the App Store, . See the App Store reviews. Apple doesn't give single reviews their own link, so this opens the app's reviews.

Positive

“...I've used Simplifi, Monarch and Copilot Money and Simplifi was the best of all those 3 IMO.”
u/Inner_Difficulty_381 in r/simplifimoney on Reddit, . Read it on Reddit.
Where these come from

FAQ

How much does Simplifi cost?

Quicken Simplifi lists $6.99 a month, billed annually. New members who order directly from Quicken by November 22, 2026 see a first-year offer of $3.99 a month, billed annually. 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 devices does Simplifi work on?

Quicken Simplifi lists Web and Mobile. 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.

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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 Simplifi 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
3 of 15 facts
Quicken Simplifi4 of 6 verified, 2 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.