Undebt.it
A free web-based debt snowball and avalanche calculator with 8 payoff strategies
How it works
Undebt.it is a free web-based debt payoff calculator that has helped hundreds of thousands of users pay down billions in debt over more than 10 years. You manually enter your debts and choose from eight accelerated payoff methods including snowball, avalanche, hybrid, and custom plans. The tool shows your projected debt-free date, total interest costs, and amortization schedules. The premium tier ($12/year) adds YNAB integration, calendar syncing, SMS payment reminders, and an AI-powered payoff plan generator called Undebt.AI.
Is it right for you?
Consider if you
- You want a powerful debt payoff calculator without downloading any apps
- You value privacy and prefer manually entering debt data over linking financial accounts
- You want to try multiple payoff strategies side by side before committing to a plan
Skip if you
- Users who want a native mobile app â Undebt.it is web-only with no iOS or Android app
- Those who want automatic bank syncing â only YNAB integration is available, and only on premium
- People looking for full budgeting features â it is purely a debt payoff tool
Your money and data
Undebt.it does not link to your bank accounts or store financial credentials, which significantly limits your data exposure. Only debt balances, interest rates, and minimum payments are stored â no account numbers or personally identifying financial data. The premium tier's YNAB integration uses a read-only API connection. As a web-only tool, standard browser security practices apply, and the site uses HTTPS encryption.
Pros & Cons
Pros
- Eight payoff strategies including snowball, avalanche, hybrid, cash flow index, and custom plans
- Generous free tier with unlimited debt accounts and most core features included
- Very affordable premium at just $12/year with a 30-day free trial
Cons
- No native mobile app â the mobile web version works but is not as smooth as a dedicated app
- No bank account syncing beyond YNAB integration â all debt data must be entered manually
- Interface has a learning curve and can feel clunky compared to modern finance apps
Pricing details
Free basic tier · Premium Undebt.it+ $12/year · 30-day free trial for premium · No ads on either tier
On undebt.it · We may earn a commission
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