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Debt payoff comparison

Undebt.it vs YNAB

Updated

Data as of

Undebt.it checked YNAB checked

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Undebt.it logo

Undebt.it

Debt payoff app

Visit site for Undebt.it (opens in a new tab)
From Undebt.it's website, as of Oct 25, 2026
Undebt.it debt details on a phone
Undebt.it payoff journey snapshot
YNAB logo

YNAB

Budgeting app

Visit site for YNAB (opens in a new tab)
App Store marketing images, as of Oct 24, 2026
YNAB App Store image of a tilted phone showing the Home screen
YNAB App Store image of the Edit Plan screen on a tilted phone
YNAB App Store image of a category target screen

Short answer

  • Pick Undebt.it if you want a free version.
  • Pick YNAB if you want a separate login for your partner, shared and individual views, or an app from the App Store.
  • The biggest difference is what they are: Undebt.it is a debt payoff app, and YNAB is a budgeting app.

Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.

Undebt.it vs YNAB at a glance

  • Undebt.it logoUndebt.it

    Price
    $10a year, or a free version
    Free trial
    30 days
    Rating
    Not ratedWeb app you install from the browser, not in app stores
    Platforms
    3Web, iPhone (home screen install), Android (home screen install)
  • YNAB logoYNAB

    Price
    $14.99a month
    Free trial
    34 days
    Rating
    4.8 of 5App Store, 62,068 ratings
    Platforms
    5Web, iPhone, Android, iPad, Apple Watch

What it costs

  • Undebt.it logoUndebt.itLower price

    $10a year

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

    $10 a year at the yearly list price, or $30 over 3 years, before tax.

    Sourceundebt.it/pricing-features-reviews.php, checked .
  • YNAB logoYNAB

    $14.99a month

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

    $109 a year at the yearly list price, or $327 over 3 years, before tax.

    Sourceynab.com/pricing, checked .

Bars compare each app's yearly list price. "Lower price" marks the lowest yearly price the sources list. It's a number, not our pick. Prices are list prices from each app's own page, before tax and any offer.

Features

YNAB also lists savings goals, shared budgets, investment tracking, data export and API or MCP access.

Sources for these features

Yes means the official site lists it. No means the official site says the app doesn't have it.

Undebt.it and YNAB, side by side

Undebt.it and YNAB compared. Each value's source and the date we checked it open from its Source link.
Free trialDiffers
Undebt.itUndebt.it+ has a 30-day free trial, and you don't need a credit card to start it.
Sourceundebt.it/pricing-features-reviews.php, checked .
YNABYNAB offers a 34-day free trial, and you don't need a credit card when you sign up directly with YNAB.
Sourceynab.com/pricing, checked .
PlatformsDiffers
Undebt.itUndebt.it lists Web, iPhone (home screen install) and Android (home screen install).
Sourceundebt.it/faq-article.php, checked .
YNABYNAB lists Web, iPhone, Android, iPad and Apple Watch.
Sourceynab.com/our-app-lineup, checked .
Bank syncingDiffers
Undebt.itUndebt.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.
Sourceundebt.it/pricing-features-reviews.php, checked .
YNABYes. YNAB lets you connect your accounts and import transactions.
Sourceynab.com/pricing, checked .
App store ratingDiffers
Undebt.itWeb app you install from the browser, not in app stores.
Sourceundebt.it/faq-article.php, checked .
YNABYNAB has 4.8 out of 5 on the App Store from 62,068 ratings.
SourceApp Store listing, checked .

Store ratings are a dated snapshot from each listing, not our score. A row shows only when both apps have a current official source for it. 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 and compare up to four side by side.

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

Undebt.it logoUndebt.it

  • Undebt.it dashboard
    From Undebt.it's websiteThe web Dashboard: projected debt-free date March 2034, $1,471.95 paid this month, a $286.00 snowball amount, $63,405.48 total balance across 6 debts and 12.5% credit utilization, with a Debt Payment Manager and a Bill Payment Manager below.undebt.it, as of
  • Undebt.it dashboard summary cards
    From Undebt.it's websiteSummary cards: Projected Debt-Free Date March 2034 with an overall progress bar, and Paid This Month $1,471.95 of $1,056.00 with Snowball Amount $286.00.undebt.it, as of

YNAB logoYNAB

  • YNAB App Store image of a tilted phone showing the Home screen
    App Store marketing imageApp Store image with the headline "Never worry about money again" over a tilted phone showing the YNAB Home screen with new transactions, Ready to Assign and a Top Priorities list.App Store listing, as of
  • YNAB App Store image of the Home screen with a lesson card
    App Store marketing imageApp Store image with the headline "Learn to be good at money" showing the Home screen with a For You section and a YNAB Foundations lesson card.App Store listing, as of
  • YNAB Home screen with a For You lesson card
    App Store marketing imageThe Home screen: a September row, a "How to get a month ahead" link, a For You lesson card and a Connect With Our Team button.App Store listing, as of
  • YNAB Pinned categories card
    From YNAB's help centerA Pinned section on the Home screen listing Groceries, Personal Care and Time With Friends with available amounts.support.ynab.com, as of
  • YNAB January Summary card with four tiles
    From YNAB's help centerA January Summary card with Total Targets, Underfunded, Assigned and Spent tiles.support.ynab.com, as of

Accounts

Undebt.it logoUndebt.it

  • Undebt.it account list
    From Undebt.it's websiteThe Master Account List: 78.09% paid off, $88,704.18 total balance, YNAB Sync, Export and Add New Account buttons, and cards for each debt with balance, minimum payment, next due date and payoff date.undebt.it, as of
  • Undebt.it debt details on a phone
    From Undebt.it's websiteA phone view of a Solar Loan: current balance $8,129.38, a 24 month balance history line, 22 months to payoff, $42.27 monthly interest, an In Payoff Plan toggle and an Add Transaction button.undebt.it, as of

YNAB logoYNAB

No official screen found yet

Transactions

Undebt.it logoUndebt.it

No official screen found yet

YNAB logoYNAB

  • YNAB Split Transaction screen on iPhone
    From YNAB's help centerAn iPhone Split Transaction screen for a -$100.00 Grocery Store purchase split between Groceries and a transfer to Cash.support.ynab.com, as of
  • YNAB web account register with a split transaction
    From YNAB's help centerThe web account register for Checking with a split transaction open across several category rows.support.ynab.com, as of

Budget

Undebt.it logoUndebt.it

  • Undebt.it Debt Planner
    From Undebt.it's websiteThe Debt Planner: a $1,500.00 monthly budget with an Apply button, payoff stats, a Total Paid $78,473 card with debt-free date Dec 2030, and a table of accounts with total payments, projected interest and payoff dates.undebt.it, as of

YNAB logoYNAB

  • YNAB App Store image of the Edit Plan screen on a tilted phone
    App Store marketing imageApp Store image with the headline "Find your Cost to Be Me" over a tilted phone showing an Edit Plan screen with a $4,000.00 Cost to Be Me total and July's targets.App Store listing, as of
  • YNAB App Store image of the monthly plan screen
    App Store marketing imageApp Store image with the headline "Make a plan for your spending" showing the August 2025 plan with Ready to Assign at the top and categories grouped under Credit Card Payments and Living Expenses.App Store listing, as of
  • YNAB plan screen with category rows and progress bars
    App Store marketing imageThe plan screen from that image: a green Ready to Assign bar, then category rows with amounts and progress bars.App Store listing, as of
  • YNAB App Store image of the Cover Overspending sheet
    App Store marketing imageApp Store image with the headline "Cover unexpected costs easily" showing a Cover Overspending sheet for a -$300.00 Car Repair, with categories to move money from.App Store listing, as of
  • YNAB Cover Overspending sheet with a category list
    App Store marketing imageThe Cover Overspending sheet: the overspent Car Repair category on top and a searchable list of categories with available amounts below.App Store listing, as of
  • YNAB Google Play image of the Android plan screen
    Google Play marketing imageGoogle Play image with the headline "Make a plan for your spending" showing the Android plan screen with Ready to Assign and category rows.Google Play listing, as of
  • YNAB web plan with a category target panel
    From YNAB's help centerThe web plan with category groups and a side panel for one category showing its target and the amount needed this month.support.ynab.com, as of
  • YNAB category list with available amounts and progress bars
    App Store marketing imageCategory rows such as Mortgage, Household Items, Groceries and Dining Out, each with an available amount and a status line like Funded or Fully Spent.App Store listing, as of
  • YNAB Ready to Assign bar showing $1,000.00
    App Store marketing imageThe green bar at the top of the plan reading $1,000.00 Ready to Assign.App Store listing, as of
  • YNAB overspent Groceries row
    From YNAB's help centerA web plan row for Groceries marked Overspent, with a red available amount of -$100.00.support.ynab.com, as of

Goals

Undebt.it logoUndebt.it

  • Undebt.it goal streak snapshot
    From Undebt.it's websiteA Goal Streak payoff snapshot: 12 months in a row, every monthly goal hit since Sep 2025 and $13,125 paid during the streak.undebt.it, as of
  • Undebt.it payoff journey snapshot
    From Undebt.it's websiteA My Debt Payoff Journey snapshot: 84.2% complete, 2 years 9 months until debt free, a $730 debt snowball, a May 2029 debt-free date and progress bars for each debt.undebt.it, as of

YNAB logoYNAB

  • YNAB App Store image of a category target screen
    App Store marketing imageApp Store image with the headline "Fund goals to make more memories" showing a Hawaii Vacation category with its balance and a "You've met your target!" message.App Store listing, as of
  • YNAB Hawaii Vacation category screen with a met target
    App Store marketing imageThe Hawaii Vacation category screen: balance breakdown for the month and a target card with a check mark.App Store listing, as of
  • YNAB Google Play image of a Current Goal ring on Android
    Google Play marketing imageGoogle Play image with the headline "Fund goals to make more memories" showing the Android Home screen with a Current Goal ring at 100% Complete for Hawaii Vacation.Google Play listing, as of
  • YNAB category balance card with four rows
    App Store marketing imageA balance card listing From Jul, Assigned for Aug, Activity in Aug and Available amounts.App Store listing, as of
  • YNAB target card and Move To sheet
    From YNAB's help centerA help-center graphic pairing a target card at 91% with a Move To sheet that assigns $1,830.00 to Rent.support.ynab.com, as of
  • YNAB Current Goal cards
    From YNAB's help centerTwo Current Goal cards: an empty one asking "What are you saving for?" and one for Sisters Trip 2026 at 46% complete.support.ynab.com, as of

Reports and insights

Undebt.it logoUndebt.it

  • Undebt.it payoff method comparison
    From Undebt.it's websiteCompare Payoff Methods: the current Debt Avalanche plan at $76,583 total paid and Nov 2030 debt-free, next to Debt Snowball at $78,473 and Hybrid (Debt Ratio) at $76,989 with interest and months to payoff.undebt.it, as of
  • Undebt.it what-if scenario
    From Undebt.it's websiteA What-If Scenario: "6 months sooner" with May 2029 becoming Nov 2028, $495.42 interest saved, a 28 month payoff timeline, a $1,750.00 a month scenario budget and a balance by month chart.undebt.it, as of

YNAB logoYNAB

  • YNAB App Store image of the Reflect screen
    App Store marketing imageApp Store image with the headline "See spending trends over time" showing the Reflect screen with an Income vs. Spending bar chart and a Net Worth card.App Store listing, as of
  • YNAB Reflect screen with charts
    App Store marketing imageThe Reflect screen in dark mode with an Income vs. Spending chart by month and a Net Worth card below it.App Store listing, as of
  • YNAB Google Play image of the Android Reflect screen
    Google Play marketing imageGoogle Play image with the headline "See spending trends over time" showing the Android Reflect screen with an Income vs. Spending chart.Google Play listing, as of
  • YNAB Income vs. Spending bar chart
    App Store marketing imageAn Income vs. Spending card with paired monthly bars from January to June and the line "On average, you're spending less than you make."App Store listing, as of

Bills and recurring

Undebt.it logoUndebt.it

  • Undebt.it month-by-month payment plan
    From Undebt.it's websiteThe Payment Plan: payoff method, starting month and monthly budget, then a month-by-month table from Aug 2026 with the payment to each debt and the snowball amount.undebt.it, as of
  • Undebt.it bill payment manager
    From Undebt.it's websiteA Bill Payment Manager listing bills due within 7 and 14 days, such as AT&T and DMV, each with a date, amount and Pay button.undebt.it, as of

YNAB logoYNAB

  • YNAB web plan showing an upcoming scheduled transaction
    From YNAB's help centerThe web plan with a Subscription category selected and a side panel showing an upcoming scheduled transaction and the balance after it.support.ynab.com, as of

Sharing with a partner

Undebt.it logoUndebt.it

No official screen found yet

YNAB logoYNAB

  • YNAB App Store image of the YNAB Together screen
    App Store marketing imageApp Store image with the headline "Share access with loved ones" showing a YNAB Together screen with a Group Manager and a list of members.App Store listing, as of
  • YNAB Together screen with group manager and members
    App Store marketing imageThe YNAB Together screen: an illustration, a line about plan sharing options for each member, then Group Manager and Members sections.App Store listing, as of
  • YNAB Google Play image of the Android Together screen
    Google Play marketing imageGoogle Play image with the headline "Share access with loved ones" showing the Android Together screen with a Group Manager and Members.Google Play listing, as of
  • YNAB invite and Create Account screens for YNAB Together
    From YNAB's help centerTwo iPhone screens from the help center: an invite to join a YNAB Together group, and the Create Account screen that follows.support.ynab.com, as of
  • YNAB Together member list
    App Store marketing imageThe Group Manager row and the Members list, each person shown with a name, email and an arrow.App Store listing, as of
  • YNAB Recent Moves panel showing who moved money
    From YNAB's help centerThe web plan with a Recent Moves panel filtered to Everyone, showing which member assigned $199.21 to a category.support.ynab.com, as of

Getting started

Undebt.it logoUndebt.it

  • Undebt.it Easy Mode setup
    From Undebt.it's websiteEasy Mode with three steps, Set your budget, Add accounts and Choose plan, a Monthly Budget field, Your Payoff Stats and Your Debt Accounts cards with Pay buttons.undebt.it, as of

YNAB logoYNAB

No official screen found yet

Other screens

Undebt.it logoUndebt.it

No official screen found yet

YNAB logoYNAB

  • YNAB App Store image of a Siri result card for Groceries
    App Store marketing imageApp Store image with the headline "Ask Siri to check your plan on the go" showing a Siri result card that reads $232.09 available in Groceries.App Store listing, as of

Who it's for

Pick the tab that sounds like you. Every answer comes from the app's own pages, and its source opens from the Source link.

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.

    Sourceundebt.it/pricing-features-reviews.php, checked .

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

    Sourceynab.com/pricing, checked .
  • 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.

    Sourceundebt.it/pricing-features-reviews.php, checked .

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

    Sourceynab.com/pricing, checked .
  • Can I export my data?

    Undebt.it: Yes. You can export your data.

    SourceIn their words: “Export payoff plan to Excel” undebt.it/pricing-features-reviews.php, checked .

    YNAB: Yes. You can export your data.

    SourceIn their words: “Learn how to export your plan and transactions to a CSV or TSV file in the web version of YNAB.” support.ynab.com/en_us/how-to-export-plan-data-Sy_CouWA9, checked .
  • Is there support from the app's makers if I need help?

    Undebt.it: Yes. Email and contact form.

    SourceIn their words: “E-mail: jeff@undebt.it” undebt.it, checked .

    YNAB: Yes. Chatbot with human handoff and email.

    SourceIn 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!” support.ynab.com/en_us/tax-season-with-ynab-rkGAspIrT, checked .

Partners

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

  • Can my partner use their own login details?

    Undebt.it: No. Your partner signs in to your same account.

    SourceIn their words: “You would have to use the same login (e-mail address). User accounts are setup based on a single e-mail address so it's not possible for multiple user accounts to share the same set of data.” undebt.it/faq-article.php, checked .

    YNAB: Yes. Your partner gets their own login.

    SourceIn 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!” ynab.com/features/subscription-sharing, checked .
  • Can we keep shared and individual views?

    Undebt.it: No. You both see the same shared view.

    SourceIn their words: “No, this site is meant to track only one set of accounts. You can, however, create another account under a different e-mail address and track additional sets that way.” undebt.it/faq-article.php, checked .

    YNAB: Yes. You can keep shared and individual views.

    SourceIn 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.” ynab.com/features/subscription-sharing, checked .

Business

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

  • Can I share my finances with my accountant?

    Undebt.it: Yes. You can export your data and send the file.

    SourceIn their words: “Export payoff plan to Excel” undebt.it/pricing-features-reviews.php, checked .

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

    SourceIn their words: “Learn how to export your plan and transactions to a CSV or TSV file in the web version of YNAB.” support.ynab.com/en_us/how-to-export-plan-data-Sy_CouWA9, checked .

A question shows only when every app here has a current official source that answers it. 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

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

    First fix: Save the Raise.

  • Spender

    YNAB 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 Undebt.it and YNAB 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 Undebt.it nor YNAB 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 YNAB users say

Based on 500 App Store reviews, 35 Reddit posts, 2 YouTube videos and 25 Hacker News posts dated Nov 2025 to Oct 2026, read Oct 2026. We collected the Reddit and YouTube data with Apify, a scraping service, on Oct 24, 2026.

  • Of the 562 reviews, posts and videos we read, 134 mention how easy or hard the app is to use.
  • Of the 562 reviews, posts and videos we read, 103 mention the price, fees or the subscription.
  • Of the 562 reviews, posts and videos we read, 90 mention debt, money stress or feeling in control.

Positive

“There is admittedly a learning curve, but once you learn how YNAB works it is life changing. I finally have ownership over my finances.”
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

“I was using YNAB for like 10 years but I got tired of it never syncing properly with Plaid and my bank...”
u/trambalambo in r/FPandA on Reddit, . Read it on Reddit.

Critical

“Yeah, I'll probably switch to Actual at some point in the next couple of years as a result of the price change.”
mpyne on Hacker News, . Read it on Hacker News.
Where these come from

FAQ

How much does Undebt.it cost?

Undebt.it is free to use. Undebt.it+ costs $10 a year. We checked this on Nov 3, 2026.

How much does YNAB cost?

YNAB costs $14.99 a month, or $109 a year paid annually, plus tax where applicable. We checked this on Nov 3, 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 Nov 3, 2026.

Does YNAB have a free trial?

YNAB offers a 34-day free trial, and you don't need a credit card when you sign up directly with YNAB. We checked this on Nov 3, 2026.

More comparisons

Keep comparing

Pinterest pin for Undebt.it vs YNAB, 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.

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
Sourced facts
15 facts, each linked and dated
Undebt.it9 sourced facts, last checked Nov 3, 2026
YNAB6 sourced facts, last checked Nov 3, 2026

Each fact links to the official page it came from, with the date we checked it. Once a fact is older than 30 days, it comes off the page until we check it again. How we source, date and index this data.

This is education, not financial advice.