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Alternatives

Undebt.it alternatives in 2026

Updated

Undebt.it logoUndebt.itDebt payoff app

Undebt.it is a debt payoff app. Undebt.it is free to use. Undebt.it+ costs $10 a year. We checked that on Oct 24, 2026. Below are 11 other apps, starting with the 2 debt payoff apps and then budgeting apps. They're ranked by how close each app's category is to Undebt.it's, not by how good it is, and every fact shows the date we checked it.

Priceless Tay may earn a commission from some links on this page, and that never changes how we compare apps.

Short answer

The closest alternatives to Undebt.it are Changed, Debt Payoff Planner and Copilot Money, because Changed and Debt Payoff Planner are also debt payoff apps and Copilot Money is a budgeting app. Undebt.it is free to use. We checked Undebt.it on Oct 24, 2026, and each card below puts an alternative's price, trial, platforms and ratings next to Undebt.it's, with the date we checked them.

What Undebt.it and its alternatives cost

  • 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.

  • Changed logoChanged

    Changed lists plans from $6 a month on its website.

    As of · gochanged.com

  • Debt Payoff Planner logoDebt Payoff Planner

    Debt Payoff Planner has a free plan. Its website lists the Pro plan from $2 a month.

    As of · debtpayoffplanner.com

  • Copilot Money logoCopilot Money

    $13a month

    Copilot Money costs $13 a month, or $95 a year billed yearly.

    Cost over 1 and 3 years: $95 and $285, at the yearly list price before tax.

    As of · copilot.money

  • EveryDollar logoEveryDollar

    $17.99a month

    EveryDollar has a free version. After a 14-day free trial, premium costs $79.99 a year billed annually, or $17.99 a month billed monthly.

    Cost over 1 and 3 years: $79.99 and $239.97, at the yearly list price before tax.

  • Goodbudget logoGoodbudget

    $10a month

    Goodbudget has a free version. Goodbudget Premium costs $10 a month or $80 a year.

    Cost over 1 and 3 years: $80 and $240, at the yearly list price before tax.

    As of · goodbudget.com/signup

  • Monarch Money logoMonarch Money

    $14.99a month

    Monarch Core costs $14.99 a month, or $99.99 a year billed annually. Monarch Plus costs $199.99 a year billed annually.

    Cost over 1 and 3 years: $99.99 and $299.97, at the yearly list price before tax.

    As of · monarch.com/pricing

  • PocketGuard logoPocketGuard

    $12.99a month

    PocketGuard Premium costs $12.99 a month, $74.99 a year billed yearly, or $149.99 once for lifetime access.

    Cost over 1 and 3 years: $74.99 and $224.97, at the yearly list price before tax.

    As of · pocketguard.com/pricing

  • 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

  • Rocket Money logoRocket 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.

  • YNAB logoYNAB

    $14.99a month

    YNAB costs $14.99 a month, or $109 a year paid annually, plus tax where applicable.

    Cost over 1 and 3 years: $109 and $327, at the yearly list price before tax.

    As of · ynab.com/pricing

  • Fifecta

    $15a month

    Fifecta costs $15 a month or $150 a year.

    Cost over 1 and 3 years: $150 and $450, at the yearly list price before tax.

    As of · pricelesstay.com/fifecta

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.

Features side by side

Features listed by each app's official source. A question mark means not verified yet.
FeatureUndebt.itChangedDebt Payoff PlannerCopilot MoneyEveryDollarGoodbudgetMonarch MoneyPocketGuardSimplifiRocket MoneyYNABFifecta
AI featuresNot verified yetNot verified yetNot verified yetListed by the sourceNot verified yetNot verified yetListed by the sourceListed by the sourceNot verified yetListed by the sourceNot verified yetNot verified yet
Savings goalsNot verified yetNot verified yetNot verified yetNot verified yetListed by the sourceNot verified yetListed by the sourceListed by the sourceListed by the sourceListed by the sourceListed by the sourceNot verified yet
Shared budgetsNot verified yetNot verified yetNot verified yetShared login: you both sign in to the same accountListed by the sourceListed by the sourceListed by the sourceShared login: you both sign in to the same accountListed by the sourceListed by the sourceListed by the sourceNot verified yet
Investment trackingNot verified yetNot verified yetNot verified yetNot verified yetNot verified yetNot verified yetListed by the sourceNot verified yetListed by the sourceNot verified yetNot verified yetNot verified yet
Data exportNot verified yetNot verified yetNot verified yetListed by the sourceListed by the sourceListed by the sourceListed by the sourceListed by the sourceListed by the sourceListed by the sourceListed by the sourceNot verified yet
API or MCPNot verified yetNot verified yetNot verified yetNot verified yetNot verified yetNot verified yetNot verified yetNot verified yetNot verified yetNot verified yetNot verified yetListed by the source

✓ 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. Copilot Money: copilot.money, as of Oct 24, 2026; Data export: help.copilot.money/en/articles/5944414-exporting-your-transaction-data, as of Oct 24, 2026; Shared budgets: help.copilot.money/en/articles/4523792-sharing-your-account-with-a-partner, as of Oct 24, 2026. EveryDollar: ramseysolutions.com/money/everydollar, as of Oct 24, 2026. 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. Monarch Money: monarch.com/pricing, as of Oct 24, 2026; Data export: help.monarch.com/hc/en-us/articles/15526600975764-Downloading-Transaction-or-Account-History, as of Oct 24, 2026. 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. 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. Rocket Money: rocketmoney.com/learn/personal-finance/how-much-does-rocket-money-cost, as of Oct 24, 2026. YNAB: ynab.com/pricing, as of Oct 24, 2026; Data export: support.ynab.com/en_us/how-to-export-plan-data-Sy_CouWA9, as of Oct 24, 2026. Fifecta: pricelesstay.com/fifecta-ai, as of Oct 24, 2026.

Alternatives to Undebt.it, closest category first

Each card puts the app's facts next to Undebt.it's. The order follows how close the category is, not how good the app is, and “Not verified yet” means we don't have a current official source for that line.

Other debt payoff apps

  • Changed logo

    Changed

    Debt payoff app

    Same category

    Changed is a debt payoff app that rounds up your purchases and sends the spare change to your debts as extra payments.

    Price and fees
    ChangedChanged lists plans from $6 a month on its website.As of Oct 24, 2026. Source: gochanged.com
    Undebt.itUndebt.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
    ChangedNot verified yet.
    Undebt.itUndebt.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
    Payoff methods
    ChangedChanged lists these payoff methods: Debt Snowball, Debt Avalanche and Custom Plans.As of Oct 24, 2026. Source: App Store listing
    Undebt.itUndebt.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
    Platforms
    ChangedChanged lists iOS.As of Oct 24, 2026. Source: App Store listing
    Undebt.itUndebt.it lists Web, iPhone (home screen install) and Android (home screen install).As of Oct 24, 2026. Source: undebt.it/faq-article.php
    App store rating
    ChangedChanged has 4.6 out of 5 on the App Store from 5,654 ratings.As of Oct 24, 2026. Source: App Store listing
    Undebt.itNot verified yet.

    Who it fits

    • Changed lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.
  • Debt Payoff Planner logo

    Debt Payoff Planner

    Debt payoff app

    Same category

    Debt Payoff Planner is a debt payoff app that turns your balances, rates and minimum payments into a step-by-step payoff plan with a debt-free date.

    Price and fees
    Debt Payoff PlannerDebt Payoff Planner has a free plan. Its website lists the Pro plan from $2 a month.As of Oct 24, 2026. Source: debtpayoffplanner.com
    Undebt.itUndebt.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
    Debt Payoff PlannerNot verified yet.
    Undebt.itUndebt.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
    Payoff methods
    Debt Payoff PlannerDebt Payoff Planner lists these payoff methods: Debt Avalanche, Debt Snowball and Custom.As of Oct 24, 2026. Source: debtpayoffplanner.com/overview
    Undebt.itUndebt.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
    Platforms
    Debt Payoff PlannerDebt Payoff Planner lists Web, iOS and Android.As of Oct 24, 2026. Source: debtpayoffplanner.com
    Undebt.itUndebt.it lists Web, iPhone (home screen install) and Android (home screen install).As of Oct 24, 2026. Source: undebt.it/faq-article.php
    App store rating
    Debt Payoff PlannerDebt Payoff Planner has 4.7 out of 5 on the App Store from 7,387 ratings.As of Oct 24, 2026. Source: App Store listing
    Undebt.itNot verified yet.

Budgeting apps

  • Copilot Money logo

    Copilot Money

    Budgeting app

    Nearby category

    Copilot Money is a paid budgeting and tracking app that uses AI to tag your transactions automatically.

    Price and fees
    Copilot MoneyCopilot Money costs $13 a month, or $95 a year billed yearly.As of Oct 24, 2026. Source: copilot.money
    Undebt.itUndebt.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
    Copilot MoneyCopilot Money says you can test drive the app before you connect an account and then start a free trial. Its pricing section does not list the trial length.As of Oct 24, 2026. Source: copilot.money
    Undebt.itUndebt.it+ has a 30-day free trial, and you don't need a credit card to start it.As of Oct 24, 2026. Source: undebt.it/pricing-features-reviews.php
    Platforms
    Copilot MoneyCopilot Money lists iPhone, iPad, Mac and Web.As of Oct 24, 2026. Source: copilot.money
    Undebt.itUndebt.it lists Web, iPhone (home screen install) and Android (home screen install).As of Oct 24, 2026. Source: undebt.it/faq-article.php
    App store rating
    Copilot MoneyCopilot Money has 4.8 out of 5 on the App Store from 30,705 ratings.As of Oct 24, 2026. Source: App Store listing
    Undebt.itNot verified yet.
  • EveryDollar logo

    EveryDollar

    Budgeting app

    Nearby category

    EveryDollar is a zero-based budgeting app from Ramsey Solutions with a free version and a paid premium version.

    Price and fees
    EveryDollarEveryDollar has a free version. After a 14-day free trial, premium costs $79.99 a year billed annually, or $17.99 a month billed monthly.As of Oct 24, 2026. Source: ramseysolutions.com/money/everydollar
    Undebt.itUndebt.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
    EveryDollarEveryDollar premium starts with a 14-day free trial for new users.As of Oct 24, 2026. Source: ramseysolutions.com/money/everydollar
    Undebt.itUndebt.it+ has a 30-day free trial, and you don't need a credit card to start it.As of Oct 24, 2026. Source: undebt.it/pricing-features-reviews.php
    Platforms
    EveryDollarEveryDollar lists iOS, Android and Computer.As of Oct 24, 2026. Source: ramseysolutions.com/money/everydollar
    Undebt.itUndebt.it lists Web, iPhone (home screen install) and Android (home screen install).As of Oct 24, 2026. Source: undebt.it/faq-article.php
    App store rating
    EveryDollarEveryDollar has 4.7 out of 5 on the App Store from 84,169 ratings.As of Oct 24, 2026. Source: App Store listing
    Undebt.itNot verified yet.

    Who it fits

    • EveryDollar lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
    • EveryDollar lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.
  • Goodbudget logo

    Goodbudget

    Budgeting app

    Nearby category

    Goodbudget is an envelope budgeting app with a free version and a paid Premium version.

    Price and fees
    GoodbudgetGoodbudget has a free version. Goodbudget Premium costs $10 a month or $80 a year.As of Oct 24, 2026. Source: goodbudget.com/signup
    Undebt.itUndebt.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
    GoodbudgetNot verified yet.
    Undebt.itUndebt.it+ has a 30-day free trial, and you don't need a credit card to start it.As of Oct 24, 2026. Source: undebt.it/pricing-features-reviews.php
    Platforms
    GoodbudgetGoodbudget lists Web, Android and iPhone.As of Oct 24, 2026. Source: goodbudget.com/signup
    Undebt.itUndebt.it lists Web, iPhone (home screen install) and Android (home screen install).As of Oct 24, 2026. Source: undebt.it/faq-article.php
    App store rating
    GoodbudgetGoodbudget has 4.6 out of 5 on the App Store from 13,515 ratings.As of Oct 24, 2026. Source: App Store listing
    Undebt.itNot verified yet.

    Who it fits

    • Goodbudget lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.
  • Monarch Money logo

    Monarch Money

    Budgeting app

    Nearby category

    Monarch Money is a paid app for budgeting and for tracking your accounts, net worth and goals in one place.

    Price and fees
    Monarch MoneyMonarch Core costs $14.99 a month, or $99.99 a year billed annually. Monarch Plus costs $199.99 a year billed annually.As of Oct 24, 2026. Source: monarch.com/pricing
    Undebt.itUndebt.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
    Monarch MoneyMonarch offers a free 7-day trial, and you need a payment method to start it.As of Oct 24, 2026. Source: monarch.com/pricing
    Undebt.itUndebt.it+ has a 30-day free trial, and you don't need a credit card to start it.As of Oct 24, 2026. Source: undebt.it/pricing-features-reviews.php
    Platforms
    Monarch MoneyMonarch Money lists Web, iOS and Android.As of Oct 24, 2026. Source: monarch.com
    Undebt.itUndebt.it lists Web, iPhone (home screen install) and Android (home screen install).As of Oct 24, 2026. Source: undebt.it/faq-article.php
    App store rating
    Monarch MoneyMonarch Money has 4.9 out of 5 on the App Store from 115,317 ratings.As of Oct 24, 2026. Source: App Store listing
    Undebt.itNot verified yet.

    Who it fits

    • Monarch Money lists investment tracking. That fits a Strategist, who wants to watch the whole plan grow.
    • Monarch Money lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
    • Monarch Money lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.
  • PocketGuard logo

    PocketGuard

    Budgeting app

    Nearby category

    PocketGuard is a paid budgeting app that tracks your accounts, bills and budgets and shows what is safe to spend.

    Price and fees
    PocketGuardPocketGuard 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
    Undebt.itUndebt.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
    PocketGuardPocketGuard offers a 7-day free trial.As of Oct 24, 2026. Source: pocketguard.com/pricing
    Undebt.itUndebt.it+ has a 30-day free trial, and you don't need a credit card to start it.As of Oct 24, 2026. Source: undebt.it/pricing-features-reviews.php
    Platforms
    PocketGuardPocketGuard lists Web, iOS, Apple Watch and Android.As of Oct 24, 2026. Source: pocketguard.com
    Undebt.itUndebt.it lists Web, iPhone (home screen install) and Android (home screen install).As of Oct 24, 2026. Source: undebt.it/faq-article.php
    App store rating
    PocketGuardPocketGuard has 4.6 out of 5 on the App Store from 7,681 ratings.As of Oct 24, 2026. Source: App Store listing
    Undebt.itNot verified yet.

    Who it fits

    • PocketGuard lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
    • PocketGuard lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.
  • Quicken Simplifi

    Budgeting app

    Nearby category

    Quicken Simplifi is a paid web and mobile app that builds a spending plan from your income, bills and subscriptions.

    Price and fees
    SimplifiQuicken 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/simplifi
    Undebt.itUndebt.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
    SimplifiNot verified yet.
    Undebt.itUndebt.it+ has a 30-day free trial, and you don't need a credit card to start it.As of Oct 24, 2026. Source: undebt.it/pricing-features-reviews.php
    Platforms
    SimplifiQuicken Simplifi lists Web and Mobile.As of Oct 24, 2026. Source: quicken.com/products/simplifi
    Undebt.itUndebt.it lists Web, iPhone (home screen install) and Android (home screen install).As of Oct 24, 2026. Source: undebt.it/faq-article.php
    App store rating
    SimplifiNot verified yet.
    Undebt.itNot verified yet.

    Who it fits

    • Simplifi lists investment tracking. That fits a Strategist, who wants to watch the whole plan grow.
    • Simplifi lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
    • Simplifi lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.
  • Rocket Money logo

    Rocket Money

    Budgeting app

    Nearby category

    Rocket Money is a budgeting app that tracks your spending and subscriptions, with a free version and paid Premium and Premium+ tiers.

    Price and fees
    Rocket MoneyRocket 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-cost
    Undebt.itUndebt.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
    Rocket MoneyNot verified yet.
    Undebt.itUndebt.it+ has a 30-day free trial, and you don't need a credit card to start it.As of Oct 24, 2026. Source: undebt.it/pricing-features-reviews.php
    Platforms
    Rocket MoneyRocket Money lists iOS, Android and Web.As of Oct 24, 2026. Source: rocketmoney.com/learn/personal-finance/how-much-does-rocket-money-cost
    Undebt.itUndebt.it lists Web, iPhone (home screen install) and Android (home screen install).As of Oct 24, 2026. Source: undebt.it/faq-article.php
    App store rating
    Rocket MoneyRocket Money has 4.5 out of 5 on the App Store from 401,884 ratings.As of Oct 24, 2026. Source: App Store listing
    Undebt.itNot verified yet.

    Who it fits

    • Rocket Money lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
    • Rocket Money lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.
  • YNAB logo

    YNAB

    Budgeting app

    Nearby category

    YNAB is a paid budgeting app built around the YNAB Method, where you give every dollar a job before you spend it.

    Price and fees
    YNABYNAB costs $14.99 a month, or $109 a year paid annually, plus tax where applicable.As of Oct 24, 2026. Source: ynab.com/pricing
    Undebt.itUndebt.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
    YNABYNAB offers a 34-day free trial, and you don't need a credit card when you sign up directly with YNAB.As of Oct 24, 2026. Source: ynab.com/pricing
    Undebt.itUndebt.it+ has a 30-day free trial, and you don't need a credit card to start it.As of Oct 24, 2026. Source: undebt.it/pricing-features-reviews.php
    Platforms
    YNABNot verified yet.
    Undebt.itUndebt.it lists Web, iPhone (home screen install) and Android (home screen install).As of Oct 24, 2026. Source: undebt.it/faq-article.php
    App store rating
    YNABYNAB has 4.8 out of 5 on the App Store from 61,968 ratings.As of Oct 24, 2026. Source: App Store listing
    Undebt.itNot verified yet.

    Who it fits

    • YNAB lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
    • YNAB lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.
  • Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.

    Fifecta

    Budgeting app

    Our app

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

    Price and fees
    FifectaFifecta costs $15 a month or $150 a year.As of Oct 23, 2026. Source: pricelesstay.com/fifecta
    Undebt.itUndebt.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
    FifectaFifecta is free for 7 days, and you can cancel anytime in the app.As of Oct 23, 2026. Source: pricelesstay.com/fifecta
    Undebt.itUndebt.it+ has a 30-day free trial, and you don't need a credit card to start it.As of Oct 24, 2026. Source: undebt.it/pricing-features-reviews.php
    Platforms
    FifectaNot verified yet.
    Undebt.itUndebt.it lists Web, iPhone (home screen install) and Android (home screen install).As of Oct 24, 2026. Source: undebt.it/faq-article.php
    App store rating
    FifectaNot verified yet.
    Undebt.itNot verified yet.

Who Undebt.it and its alternatives are 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?

    Undebt.it

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

    As of . Source: undebt.it

    Changed

    Changed lists plans from $6 a month on its website.

    As of . Source: gochanged.com

    Debt Payoff Planner

    Debt Payoff Planner has a free plan. Its website lists the Pro plan from $2 a month.

    As of . Source: debtpayoffplanner.com

    Copilot Money

    Copilot Money costs $13 a month, or $95 a year billed yearly.

    As of . Source: copilot.money

    EveryDollar

    EveryDollar has a free version. After a 14-day free trial, premium costs $79.99 a year billed annually, or $17.99 a month billed monthly.

    As of . Source: ramseysolutions.com

    Goodbudget

    Goodbudget has a free version. Goodbudget Premium costs $10 a month or $80 a year.

    As of . Source: goodbudget.com

    Monarch Money

    Monarch Core costs $14.99 a month, or $99.99 a year billed annually. Monarch Plus costs $199.99 a year billed annually.

    As of . Source: monarch.com

    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

    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

    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

    YNAB

    YNAB costs $14.99 a month, or $109 a year paid annually, plus tax where applicable.

    As of . Source: ynab.com

    Fifecta

    Fifecta costs $15 a month or $150 a year.

    As of . Source: pricelesstay.com

  • Does it connect to my bank and import transactions?

    Undebt.it

    Undebt.it+ only. Undebt.it doesn't connect directly to your bank, but Undebt.it+ can pull in balances and transactions from YNAB or through SimpleFIN.

    As of . Source: undebt.it

    Changed

    Yes. Changed links your loans and the bank and spending accounts you want it to track for round-ups.

    As of . Source: gochanged.com

    Debt Payoff Planner

    No. Debt Payoff Planner says the app will not connect to any of your accounts, so you record each payment yourself.

    As of . Source: debtpayoffplanner.com

    EveryDollar

    Premium only. EveryDollar premium connects your bank through Mastercard Connect and Plaid, and the free version uses manual entry.

    As of . Source: ramseysolutions.com

    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

    Monarch Money

    Yes. Monarch says it syncs with multiple financial data providers to connect with more than 13,000 financial institutions.

    As of . Source: monarch.com

    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

    Simplifi

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

    As of . Source: quicken.com

    Rocket Money

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

    As of . Source: rocketmoney.com

    YNAB

    Yes. YNAB lets you connect your accounts and import transactions.

    As of . Source: ynab.com

    Not verified yet for Copilot Money and Fifecta.

  • Can I export my data?

    Undebt.it

    Yes. You can export your data.

    In their words: “Export payoff plan to Excel”

    As of . Source: undebt.it

    Copilot Money

    Yes. You can export your data.

    In their words: “Copilot allows you to export all of your transaction data as a spreadsheet on iOS, iPadOS, macOS and Web.”

    As of . Source: help.copilot.money

    EveryDollar

    Yes. You can export your data.

    In their words: “After transactions have been tracked, EveryDollar Premium users can use EveryDollar.com to export and download each month's transactions as a CSV file (month by month, but not the whole year at once).”

    As of . Source: everydollar.help.ramseysolutions.com

    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

    Monarch Money

    Yes. You can export your data.

    In their words: “You can download your transaction and balance history from Monarch as a CSV file for your own records, for taxes, or to use in a spreadsheet.”

    As of . Source: help.monarch.com

    PocketGuard

    Yes. You can export your data.

    In their words: “Import & Export transactions”

    As of . Source: pocketguard.com

    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

    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

    YNAB

    Yes. You can export your data.

    In their words: “Learn how to export your plan and transactions to a CSV or TSV file in the web version of YNAB.”

    As of . Source: support.ynab.com

    Fifecta

    Yes. You can export your data.

    In their words: “Export a copy in Settings, then Your data, before then.”

    As of . Source: pricelesstay.com

    Not verified yet for Changed and Debt Payoff Planner.

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

    Undebt.it

    Yes. Email and contact form.

    In their words: “E-mail: jeff@undebt.it”

    As of . Source: undebt.it

    Changed

    Yes. Message form and help center.

    In their words: “Didn't find the answers you're looking for? Need some additional help? We're here to answer the questions you have.”

    As of . Source: gochanged.com

    Debt Payoff Planner

    Yes. Email.

    In their words: “If you have any questions, comments, or suggestions, please email our support team at support@debtpayoffplanner.com”

    As of . Source: debtpayoffplanner.com

    Copilot Money

    Yes. In-app chat and email.

    In their words: “Still have questions? Contact us in the app or at support@copilot.money.”

    As of . Source: help.copilot.money

    EveryDollar

    Yes. Live person (free) and coaching (premium).

    In their words: “Get support from a live person if you need help.”

    As of . Source: ramseysolutions.com

    Goodbudget

    Yes. Community (Free) and email (Premium).

    In their words: “Email support”

    As of . Source: goodbudget.com

    Monarch Money

    Yes. In-app help (instant answer) and support ticket.

    In their words: “Click Contact Support to get an instant answer or submit a ticket.”

    As of . Source: help.monarch.com

    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

    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

    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

    YNAB

    Yes. Chatbot with human handoff and email.

    In their words: “please tell the chatbot you need a human or send us an email to ensure that your message gets to our Support team!”

    As of . Source: support.ynab.com

    Not verified yet for Fifecta.

Partners

Sharing money with a partner? Here's how each app handles a second person.

  • Can my partner use their own login details?

    Debt Payoff Planner

    No. Your partner signs in to your same account.

    In their words: “Yes, two people can each have the app installed on their respective device and access the same information as long as you have created an account (i.e. you cannot be using a guest account) and both people login with the same username and password.”

    As of . Source: debtpayoffplanner.com

    Copilot Money

    No. Your partner signs in to your same account.

    In their words: “On the next screen, have them enter the email address associated with your Copilot account.”

    As of . Source: help.copilot.money

    EveryDollar

    Yes. Your partner gets their own login.

    In their words: “Yes! The household feature lets couples manage one budget together, even if you each sign in with separate emails.”

    As of . Source: ramseysolutions.com

    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

    Monarch Money

    Yes. Your partner gets their own login.

    In their words: “Partners will each have their own login, but can view each other's data and contribute their own accounts and transactions to a shared space.”

    As of . Source: monarch.com

    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

    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

    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

    YNAB

    Yes. Your partner gets their own login.

    In their words: “No need to share a password-invite a close-knit group of up to five people to a YNAB Together group as part of your subscription!”

    As of . Source: ynab.com

    Not verified yet for Undebt.it, Changed and Fifecta.

  • How many people can share one account?

    EveryDollar

    Up to 2 people, including you.

    In their words: “The only people who can see your budget are you and whoever you choose to share your budget with through our Household feature (which should only be your spouse).”

    As of . Source: everydollar.help.ramseysolutions.com

    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

    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

    YNAB

    Up to 6 people, including you.

    In their words: “You can share your YNAB with partners, families, and other close-knit groups of up to six people-all for the price of a single subscription.”

    As of . Source: ynab.com

    Not verified yet for Undebt.it, Changed, Debt Payoff Planner, Copilot Money, Goodbudget, Monarch Money, PocketGuard and Fifecta.

  • Can we keep shared and individual views?

    Copilot Money

    Yes. You can keep shared and individual views.

    In their words: “Custom Category Groups: You can create a group of categories for each individual to manage their own budget.”

    As of . Source: help.copilot.money

    EveryDollar

    No. You both see the same shared view.

    In their words: “both people will see and edit the household owner's budget (the person sending the invitation)”

    As of . Source: everydollar.help.ramseysolutions.com

    Monarch Money

    Yes. You can keep shared and individual views.

    In their words: “Shared Views allows you to assign ownership to accounts and transactions, making it simple to personalize what you see without losing sight of the bigger picture.”

    As of . Source: help.monarch.com

    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

    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

    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

    YNAB

    Yes. You can keep shared and individual views.

    In their words: “Members of your group can create or share unlimited plans. As Group Manager, you decide which of your plans to share with members.”

    As of . Source: ynab.com

    Not verified yet for Undebt.it, Changed, Debt Payoff Planner, Goodbudget and Fifecta.

  • Can we set up joint budgets and goals?

    Monarch Money

    Yes. You can work toward goals together.

    In their words: “Contribute toward goals together in Monarch, even if you keep your money in separate accounts.”

    As of . Source: monarch.com

    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

    YNAB

    Yes. You can work toward goals together.

    In their words: “Targets help clarify your shared priorities and goals.”

    As of . Source: ynab.com

    Not verified yet for Undebt.it, Changed, Debt Payoff Planner, Copilot Money, EveryDollar, Goodbudget, PocketGuard, Simplifi and Fifecta.

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?

    EveryDollar

    Up to 2 people, including you.

    In their words: “The only people who can see your budget are you and whoever you choose to share your budget with through our Household feature (which should only be your spouse).”

    As of . Source: everydollar.help.ramseysolutions.com

    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

    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

    YNAB

    Up to 6 people, including you.

    In their words: “You can share your YNAB with partners, families, and other close-knit groups of up to six people-all for the price of a single subscription.”

    As of . Source: ynab.com

    Not verified yet for Undebt.it, Changed, Debt Payoff Planner, Copilot Money, Goodbudget, Monarch Money, PocketGuard and Fifecta.

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?

    EveryDollar

    Yes. It has official guidance for budgeting irregular income.

    In their words: “If your income varies month to month, whether you work on commission, freelance, or have an irregular pay schedule, it's important to budget carefully to avoid overspending.”

    As of . Source: everydollar.help.ramseysolutions.com

    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

    YNAB

    Yes. It has official guidance for budgeting irregular income.

    In their words: “If you're self-employed, commission-based, or manage you own business, your expenses aren't all monthly nor are they predictable.”

    As of . Source: ynab.com

    Not verified yet for Undebt.it, Changed, Debt Payoff Planner, Copilot Money, Monarch Money, PocketGuard, Simplifi, Rocket Money and Fifecta.

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

    Copilot Money

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

    In their words: “You can use Tags to track business spending instead of using separate categories.”

    As of . Source: help.copilot.money

    EveryDollar

    No.

    In their words: “A second budget (maybe for a business or someone else) will require an additional Ramsey account to be created using a different email address.”

    As of . Source: everydollar.help.ramseysolutions.com

    Monarch Money

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

    In their words: “Business tracking is available to Monarch Plus members.”

    As of . Source: help.monarch.com

    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

    YNAB

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

    As of . Source: support.ynab.com

    Not verified yet for Undebt.it, Changed, Debt Payoff Planner, Goodbudget, PocketGuard, Simplifi and Fifecta.

  • Can I export my transactions for tax prep?

    Monarch Money

    Yes. You can export your transactions for tax prep.

    In their words: “Prepare for tax season using the Business Tax Prep report, which maps your transactions to IRS Schedule C line items for easy export.”

    As of . Source: help.monarch.com

    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

    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

    YNAB

    Yes. You can export your transactions for tax prep.

    In their words: “Learn about our exporting options!”

    As of . Source: support.ynab.com

    Not verified yet for Undebt.it, Changed, Debt Payoff Planner, Copilot Money, EveryDollar, Goodbudget, PocketGuard and Fifecta.

Business

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

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

    Copilot Money

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

    In their words: “You can use Tags to track business spending instead of using separate categories.”

    As of . Source: help.copilot.money

    EveryDollar

    No.

    In their words: “A second budget (maybe for a business or someone else) will require an additional Ramsey account to be created using a different email address.”

    As of . Source: everydollar.help.ramseysolutions.com

    Monarch Money

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

    In their words: “Business tracking is available to Monarch Plus members.”

    As of . Source: help.monarch.com

    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

    YNAB

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

    As of . Source: support.ynab.com

    Not verified yet for Undebt.it, Changed, Debt Payoff Planner, Goodbudget, PocketGuard, Simplifi and Fifecta.

  • Can I export my transactions for tax prep?

    Monarch Money

    Yes. You can export your transactions for tax prep.

    In their words: “Prepare for tax season using the Business Tax Prep report, which maps your transactions to IRS Schedule C line items for easy export.”

    As of . Source: help.monarch.com

    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

    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

    YNAB

    Yes. You can export your transactions for tax prep.

    In their words: “Learn about our exporting options!”

    As of . Source: support.ynab.com

    Not verified yet for Undebt.it, Changed, Debt Payoff Planner, Copilot Money, EveryDollar, Goodbudget, PocketGuard and Fifecta.

  • Can I share my finances with my accountant?

    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

    Copilot Money

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

    In their words: “Copilot allows you to export all of your transaction data as a spreadsheet on iOS, iPadOS, macOS and Web.”

    As of . Source: help.copilot.money

    EveryDollar

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

    In their words: “After transactions have been tracked, EveryDollar Premium users can use EveryDollar.com to export and download each month's transactions as a CSV file (month by month, but not the whole year at once).”

    As of . Source: everydollar.help.ramseysolutions.com

    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

    Monarch Money

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

    In their words: “You can download your transaction and balance history from Monarch as a CSV file for your own records, for taxes, or to use in a spreadsheet.”

    As of . Source: help.monarch.com

    PocketGuard

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

    In their words: “Import & Export transactions”

    As of . Source: pocketguard.com

    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

    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

    YNAB

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

    In their words: “Learn how to export your plan and transactions to a CSV or TSV file in the web version of YNAB.”

    As of . Source: support.ynab.com

    Fifecta

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

    In their words: “Export a copy in Settings, then Your data, before then.”

    As of . Source: pricelesstay.com

    Not verified yet for Changed and Debt Payoff Planner.

“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.

FAQ

What are the closest alternatives to Undebt.it?

The closest alternatives to Undebt.it are Changed, Debt Payoff Planner and Copilot Money, because Changed and Debt Payoff Planner are also debt payoff apps and Copilot Money is a budgeting app. This list is ordered by how close each app's category is to Undebt.it's, not by how good it is.

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 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.

What devices does Undebt.it work on?

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

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.

Sources and confidence

Last checked
Not verified yet
14 of 81 facts
Undebt.it8 of 9 verified, 1 not verified yet, last checked Oct 24, 2026
Changed7 of 9 verified, 2 not verified yet, last checked Oct 24, 2026
Debt Payoff Planner7 of 9 verified, 2 not verified yet, last checked Oct 24, 2026
Copilot Money5 of 6 verified, 1 not verified yet, last checked Oct 24, 2026
EveryDollar6 of 6 verified, last checked Oct 24, 2026
Goodbudget5 of 6 verified, 1 not verified yet, last checked Oct 24, 2026
Monarch Money6 of 6 verified, last checked Oct 24, 2026
PocketGuard6 of 6 verified, last checked Oct 24, 2026
Quicken Simplifi4 of 6 verified, 2 not verified yet, last checked Oct 24, 2026
Rocket Money5 of 6 verified, 1 not verified yet, last checked Oct 24, 2026
YNAB5 of 6 verified, 1 not verified yet, last checked Oct 24, 2026
FifectaOur app3 of 6 verified, 3 not verified yet, last checked Oct 24, 2026

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

Each fact links to the official page it came from, with the date we checked it. Once a fact is older than its app's window (8 days for apps whose rates change often, 35 days for the rest), it reads “Not verified yet” until we check it again. How we source, date and index this data.

This is education, not financial advice.