What is the Debt Blaster?

The Debt Blaster is an original budgeting idea I have developed to turbo-charge your existing debt payoff plan. Exclusive to Undebt.it, the Debt Blaster option automatically increases your monthly budget in small increments and adjusts your payment plan accordingly. The Blaster works with any of the Undebt.it payment plans and gives you the option of increasing your budget by a fixed amount or by a percentage each month.

Setting it Up

To get going with the Blaster, you need to have an active Undebt.it+ account. There is a section in My Account > Main Settings where you control the Blaster options.

The photo above shows the option that needs to be checked to turn on the Debt Blaster. Once the box is checked you'll be able to choose which increment method and amount you want to use. Don't forget to click the Save Changes button when you are done.

The examples below are based off of a $1,400 monthly budget with a balance of approximately $50,000. There are also $1,000 debt snowflakes every 6 months which you can see on the projection graphs.


The percentage amount compounds over time; for example, a $1,400 monthly budget set to a 1% increase would increase to $1,414 the first month, and by the sixth month the budget would be $1,486.

The fixed amount option compounds the budget by the same amount each month. This example shows a $10 compounding increase every month.

The graph above shows the projected payoff plan for the example $1,400/month account. The payoff date is scheduled to be September 2019.


This graph shows the Debt Blaster option enabled with the 1% monthly increase. The new payoff date is May 2019, which saves approx. $476 in interest and gets you debt free a full 5 months sooner.

@undebt_it New Undebt.it+ Feature: Google Calendar/Apple iCloud/Outlook Integration https://t.co/3jyvMCL8cU https://t.co/GonseQvKU5
8:41 AM - Feb 23rd 2017
@undebt_it Now you can edit your debt snowflake additional payments instead of having to delete them and add them back in. https://t.co/Zn7cYX1keV
9:03 PM - Feb 16th 2017
@undebt_it The payment calendar now shows all future bills instead of just the ones due within 30 days. https://t.co/u5JqZKfjcK
8:50 PM - Feb 14th 2017
@undebt_it New Tutorial: Step-by-step Undebt.it Debt Snowball Table guide (with lots of screenshots!) https://t.co/K14pfTjJMa https://t.co/XTLD46mvuR
10:43 AM - Jan 30th 2017
@undebt_it I added another pie chart to the credit utilization page last night that shows credit card utilization only. https://t.co/sWukYJTZAd
10:39 AM - Jan 24th 2017