Debt payoff comparison
Undebt.it vs YNAB
Updated
Undebt.it
Debt payoff app
Visit site for Undebt.it (opens in a new tab)Undebt.it is a web-based debt payoff planner and tracker with a free plan and an optional Undebt.it+ membership.
Priceless Tay may earn a commission from some links on this page, and that never changes how we compare apps.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Short answer
Undebt.it is a debt payoff app and YNAB is a budgeting app. Undebt.it is free to use, while YNAB costs $14.99 a month, or $109 a year paid annually, plus tax where applicable. We checked both on Oct 24, 2026, and the official sources differ on 3 of the 10 rows in the table below.
Undebt.it vs YNAB at a glance
Undebt.it is a debt payoff app and YNAB is a budgeting 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
Undebt.it is free to use. Undebt.it+ costs $10 a year. YNAB costs $14.99 a month, or $109 a year paid annually, plus tax where applicable. 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. YNAB offers a 34-day free trial, and you don't need a credit card when you sign up directly with YNAB. We checked both on Oct 24, 2026.
Platforms
Undebt.it lists Web, iPhone (home screen install) and Android (home screen install). We haven't verified this for YNAB yet, so check the official site for YNAB before you decide. We checked Undebt.it on Oct 24, 2026.
Bank syncing
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. YNAB lets you connect your accounts and import transactions. 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 YNAB yet, so check the official site for YNAB 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 YNAB yet, so check the official site for YNAB 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 YNAB yet, so check the official site for YNAB 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 YNAB yet, so check the official site for YNAB before you decide. We checked Undebt.it on Oct 24, 2026.
Features
YNAB lists goals, shared budgets and data export. We haven't verified the features for Undebt.it yet. We checked YNAB on Oct 24, 2026.
App store rating
YNAB has 4.8 out of 5 on the App Store from 61,968 ratings. We haven't verified this for Undebt.it yet, so check the official site for Undebt.it before you decide. We checked YNAB on Oct 24, 2026. Store ratings are a dated snapshot from each listing, not our score.
What it costs
- Undebt.itLower price
$10a year
Undebt.it is free to use. Undebt.it+ costs $10 a year.
$10 a year, from the yearly priceCost over 1 and 3 years: $10 and $30, at the yearly list price before tax.
YNAB$14.99a month
YNAB costs $14.99 a month, or $109 a year paid annually, plus tax where applicable.
$109 a year, from the yearly priceCost over 1 and 3 years: $109 and $327, at the yearly list price before tax.
As of · ynab.com/pricing
Bars compare each app's yearly list price. "Lower price" marks the lowest yearly price the sources list. It's a number, not our pick. Prices are list prices from each app's own page, before tax and any offer.
At a glance
Free trial
- Undebt.it
- 30 days
- YNAB
- 34 days
Source
- Undebt.it+ has a 30-day free trial, and you don't need a credit card to start it. undebt.it/pricing-features-reviews.php, as of Oct 24, 2026.
- YNAB offers a 34-day free trial, and you don't need a credit card when you sign up directly with YNAB. ynab.com/pricing, as of Oct 24, 2026.
App Store rating
- Undebt.it
- Not verified yet
- YNAB
- 4.861,968 ratings
Source
- Undebt.it: Not verified yet.
- YNAB has 4.8 out of 5 on the App Store from 61,968 ratings. App Store listing, as of Oct 24, 2026.
Platforms
- Undebt.it
- Web
- iPhone (home screen install)
- Android (home screen install)
- YNAB
- Not verified yet
Source
- Undebt.it lists Web, iPhone (home screen install) and Android (home screen install). undebt.it/faq-article.php, as of Oct 24, 2026.
- YNAB: Not verified yet.
Bank syncing
- Undebt.it
- Undebt
- YNAB
- Yes
Source
- 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.
- Yes. YNAB lets you connect your accounts and import transactions. ynab.com/pricing, as of Oct 24, 2026.
Payoff methods
- 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
- YNAB
- Not verified yet
Source
- 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.
- YNAB: Not verified yet.
Debt-free date
- Undebt.it
- Yes
- YNAB
- Not verified yet
Source
- Yes. Undebt.it builds a month-by-month payoff schedule with a debt-free date on it. undebt.it/pricing-features-reviews.php, as of Oct 24, 2026.
- YNAB: Not verified yet.
Extra payments
- Undebt.it
- Yes
- YNAB
- Not verified yet
Source
- 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.
- YNAB: Not verified yet.
Payment reminders
- Undebt.it
- Undebt
- YNAB
- Not verified yet
Source
- Undebt.it+ only. Undebt.it+ sends payment reminders by text message and push notification. undebt.it/plus-info.php, as of Oct 24, 2026.
- YNAB: Not verified yet.
Features
| Feature | Undebt.it | YNAB |
|---|---|---|
| Savings goals | Not verified yet | Listed by the source |
| Shared budgets | Not verified yet | Listed by the source |
| Data export | Not verified yet | Listed by the source |
✓ means the official site lists it. ? means we haven't verified it yet, not that the app lacks it. 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.
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
No official screen found yet
YNAB
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 
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 
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 
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 
From YNAB's help centerA January Summary card with Total Targets, Underfunded, Assigned and Spent tiles.support.ynab.com, as of
Transactions
Undebt.it
No official screen found yet
YNAB
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 
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
No official screen found yet
YNAB
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 
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 
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 
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 
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 
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 
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 
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 
App Store marketing imageThe green bar at the top of the plan reading $1,000.00 Ready to Assign.App Store listing, as of 
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
No official screen found yet
YNAB
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 
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 
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 
App Store marketing imageA balance card listing From Jul, Assigned for Aug, Activity in Aug and Available amounts.App Store listing, as of 
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 
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
No official screen found yet
YNAB
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 
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 
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 
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
No official screen found yet
YNAB
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
No official screen found yet
YNAB
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 
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 
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 
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 
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 
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
Other screens
Undebt.it
No official screen found yet
YNAB
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
Undebt.it and YNAB, side by side
Rows marked “Differs” are where the official sources say different things, and 3 rows do here. "Lower price" marks the lowest yearly price the sources list. It's a number, not our pick.
Swipe the table sideways to see both apps.
| Field | Undebt.itDebt payoff appUndebt.it is a web-based debt payoff planner and tracker with a free plan and an optional Undebt.it+ membership.Visit Undebt.it's site | YNABBudgeting appYNAB is a paid budgeting app built around the YNAB Method, where you give every dollar a job before you spend it.Visit YNAB's site |
|---|---|---|
| Price and feesDiffers | Lower priceUndebt.it is free to use. Undebt.it+ costs $10 a year.As of Oct 24, 2026. Source: undebt.it/pricing-features-reviews.php | YNAB costs $14.99 a month, or $109 a year paid annually, plus tax where applicable.As of Oct 24, 2026. Source: ynab.com/pricing |
| Free trialDiffers | 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 | YNAB 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 |
| Platforms | Undebt.it lists Web, iPhone (home screen install) and Android (home screen install).As of Oct 24, 2026. Source: undebt.it/faq-article.php | Not verified yet. |
| Bank syncingDiffers | Undebt.it+ only. Undebt.it doesn't connect directly to your bank, but Undebt.it+ can pull in balances and transactions from YNAB or through SimpleFIN.As of Oct 24, 2026. Source: undebt.it/pricing-features-reviews.php | Yes. YNAB lets you connect your accounts and import transactions.As of Oct 24, 2026. Source: ynab.com/pricing |
| 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.As of Oct 24, 2026. Source: undebt.it | Not verified yet. |
| Debt-free date | 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 | Not verified yet. |
| Extra payments | 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 | Not verified yet. |
| Payment reminders | 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 | Not verified yet. |
| Features | Not verified yet. |
|
| App store rating | Not verified yet. | YNAB has 4.8 out of 5 on the App Store from 61,968 ratings.As of Oct 24, 2026. Source: App Store listing |
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?
YNAB
YNAB costs $14.99 a month, or $109 a year paid annually, plus tax where applicable.
As of . Source: ynab.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
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
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
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
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
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
Not verified yet
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
How many people can share one account?
Undebt.it
Not verified yet
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
Can we keep shared and individual views?
Undebt.it
Not verified yet
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
Can we set up joint budgets and goals?
Undebt.it
Not verified yet
YNAB
Yes. You can work toward goals together.
In their words: “Targets help clarify your shared priorities and goals.”
As of . Source: ynab.com
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?
Undebt.it
Not verified yet
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
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?
Undebt.it
Not verified yet
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
Can I mix business and personal expenses in this app?
Undebt.it
Not verified yet
Can I export my transactions for tax prep?
Undebt.it
Not verified yet
YNAB
Yes. You can export your transactions for tax prep.
In their words: “Learn about our exporting options!”
As of . Source: support.ynab.com
Business
Running a small business? Here's what each app says about business money.
Can I mix business and personal expenses in this app?
Undebt.it
Not verified yet
Can I export my transactions for tax prep?
Undebt.it
Not verified yet
YNAB
Yes. You can export your transactions for tax prep.
In their words: “Learn about our exporting options!”
As of . Source: support.ynab.com
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
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
“Not verified yet” means we haven't found a current official source that answers it, not that the app can't. We only say no when the app's own page does.
Which fits your Money Type?
There are four Money Types: Strategist, Spender, Saver and Scrambler. Each card matches one type to what the sources say about these two apps.
StrategistNeither app's sources confirm a feature we match to this type yet, so the quiz is the better place to start.
First fix: Save the Raise.
SpenderYNAB lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
First fix: Sleep on It.
SaverNeither app's sources confirm a feature we match to this type yet, so the quiz is the better place to start.
First fix: Put It to Work.
ScramblerBoth 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.”
Critical
“I was using YNAB for like 10 years but I got tired of it never syncing properly with Plaid and my bank...”
Critical
“Yeah, I'll probably switch to Actual at some point in the next couple of years as a result of the price change.”
Where these come from
- YNAB reviews on the App Store, read Oct 24, 2026. The public feed returns the 500 most recent US reviews. We kept every one dated inside the window.
- Hacker News search for YNAB, read Oct 24, 2026. Public search of comments and posts. 72 named the app; we kept 25 where the writer shares their own use of it.
- Reddit search for YNAB, collected Oct 24, 2026. Collected with Apify (harshmaur/reddit-scraper) on Oct 24 2026: a keyword search for "YNAB", posts and comments from after Oct 24 2025. It returned 93, most of them about something else. We kept 35 where the writer shares their own use of the app or a clear opinion of it. We left out moderators, bots, company accounts, referral posts and people promoting their own apps.
- YouTube search for YNAB, collected Oct 24, 2026. Collected with Apify (streamers/youtube-scraper) on Oct 24 2026: a search for "YNAB review" from the past year, up to 8 videos. It returned 8. We kept 2 and left out the app's own channel, sponsored videos, videos with affiliate or referral links and videos about a different product. We count themes from each video's title, description and captions, but we don't quote videos, because the captions we have carry no timestamps.
- u/mosscollection in r/MoneyDiariesACTIVE on Reddit, Oct 24, 2026.
- u/DrDrCr in r/FPandA on Reddit, Oct 24, 2026.
- u/WBedsmith in r/MonarchMoney on Reddit, Oct 23, 2026.
- u/Veriosity in r/ynab on Reddit, Oct 23, 2026.
- u/InfintiteToast in r/ynab on Reddit, Oct 23, 2026.
- u/tyberrymuch_ in r/ynab on Reddit, Oct 23, 2026.
- u/catit_ in r/ynab on Reddit, Oct 23, 2026.
- u/BurningUpMyLife in r/budgetingforbeginners on Reddit, Oct 23, 2026.
- u/trambalambo in r/FPandA on Reddit, Oct 23, 2026.
- u/MastodonFarm in r/ynab on Reddit, Oct 23, 2026.
- u/big_like_a_pickle in r/ynab on Reddit, Oct 23, 2026.
- u/rayin in r/MoneyDiariesACTIVE on Reddit, Oct 23, 2026.
- u/virtualnumber8 in r/ynab on Reddit, Oct 23, 2026.
- u/elijahjane in r/ynab on Reddit, Oct 23, 2026.
- u/cLWnOe8mmae7WOJi25kk in r/ynab on Reddit, Oct 23, 2026.
- u/DannyOdd in r/ynab on Reddit, Oct 23, 2026.
- u/twentytwo_a in r/ynab on Reddit, Oct 23, 2026.
- u/Wrenchinspokesby in r/ynab on Reddit, Oct 23, 2026.
- u/Electrical-Flan-102 in r/liquidbudget on Reddit, Oct 23, 2026.
- u/Miserable-Expert4101 in r/ynab on Reddit, Oct 23, 2026.
- u/varkeddit in r/ynab on Reddit, Oct 23, 2026.
- u/Rovelocal in r/MoneyDiariesACTIVE on Reddit, Oct 23, 2026.
- u/Chessie37 in r/personalfinance on Reddit, Oct 23, 2026.
- u/InterpASL77 in r/ynab on Reddit, Oct 23, 2026.
- u/CarminSanDiego in r/personalfinance on Reddit, Oct 23, 2026.
- u/SingleUmpire7464 in r/personalfinance on Reddit, Oct 23, 2026.
- u/Critical_Purple_8600 in r/ynab on Reddit, Oct 23, 2026.
- u/Ok_Aioli_8431 in r/zerosumappbudget on Reddit, Oct 23, 2026.
- u/Ok-Independence6375 in r/ynab on Reddit, Oct 23, 2026.
- u/MerelyMisha in r/ExecutiveDysfunction on Reddit, Oct 23, 2026.
- u/Buddy_Kane_the_great in r/ynab on Reddit, Oct 22, 2026.
- u/rlebeau47 in r/ynab on Reddit, Oct 21, 2026.
- u/olive20597 in r/ynab on Reddit, Oct 21, 2026.
- u/Icyhoticycold in r/ynab on Reddit, Oct 21, 2026.
- u/SnooStrawberries4146 in r/ynab on Reddit, Oct 20, 2026.
- "YNAB Review: Is It the Best Budgeting App?" by Rayan-Solutions on YouTube, Oct 4, 2026.
- liamwire on Hacker News, Aug 4, 2026.
- throw0101a on Hacker News, Aug 2, 2026.
- dmix on Hacker News, Aug 1, 2026.
- "Best Budgeting Apps in the U.S.: Mint vs YNAB (Honest Review)" by The Financial Journey on YouTube, May 5, 2026.
- terrabitz on Hacker News, May 1, 2026.
- mpyne on Hacker News, Apr 2, 2026.
- deweller on Hacker News, Mar 17, 2026.
- MattiaHall on Hacker News, Jan 10, 2026.
- x187463 on Hacker News, Jan 8, 2026.
- mpyne on Hacker News, Jan 4, 2026.
- twodave on Hacker News, Jan 2, 2026.
- vladvasiliu on Hacker News, Jan 2, 2026.
- mpyne on Hacker News, Jan 2, 2026.
- 360MustangScope on Hacker News, Jan 2, 2026.
- spiffytech on Hacker News, Jan 2, 2026.
- huhkerrf on Hacker News, Jan 2, 2026.
- huhkerrf on Hacker News, Jan 2, 2026.
- bronco21016 on Hacker News, Jan 2, 2026.
- sxg on Hacker News, Jan 2, 2026.
- x187463 on Hacker News, Jan 2, 2026.
- ajdude on Hacker News, Jan 2, 2026.
- huhkerrf on Hacker News, Jan 2, 2026.
- huhkerrf on Hacker News, Jan 2, 2026.
- Ronnie76er on Hacker News, Nov 22, 2025.
- kcrwfrd_ on Hacker News, Nov 21, 2025.
- joshstrange on Hacker News, Nov 21, 2025.
FAQ
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.
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 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.
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 Oct 24, 2026.
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Full guide
Keep comparing
- See Undebt.it alternatives, closest category first.
- See YNAB alternatives, closest category first.
- Want the bigger picture? Compare more money apps.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Want a plan built on your Money Type?
Fifecta gives every paycheck a plan with FUNDS, so you know where each dollar goes.
Sources and confidence
- Last checked
- Not verified yet
- 2 of 15 facts
Undebt.it8 of 9 verified, 1 not verified yet, last checked Oct 24, 2026
- Price and feesundebt.it/pricing-features-reviews.php, as of Oct 24, 2026
- Free trialundebt.it/pricing-features-reviews.php, as of Oct 24, 2026
- Platformsundebt.it/faq-article.php, as of Oct 24, 2026
- Bank syncingundebt.it/pricing-features-reviews.php, as of Oct 24, 2026
- Payoff methodsundebt.it, as of Oct 24, 2026
- Debt-free dateundebt.it/pricing-features-reviews.php, as of Oct 24, 2026
- Extra paymentsundebt.it, as of Oct 24, 2026
- Payment remindersundebt.it/plus-info.php, as of Oct 24, 2026
- App store ratingNot verified yet
YNAB5 of 6 verified, 1 not verified yet, last checked Oct 24, 2026
- Price and feesynab.com/pricing, as of Oct 24, 2026
- Free trialynab.com/pricing, as of Oct 24, 2026
- PlatformsNot verified yet
- Bank syncingynab.com/pricing, as of Oct 24, 2026
- Featuresynab.com/pricing, as of Oct 24, 2026
- App store ratingApp Store listing, as of 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.
