The Free Tool That Gets You Out of Debt
Undebt.it helps you pay off your debts so you can finally do what you want with your money.
Live debt free in 2026!
Undebt.it is a free, mobile device friendly debt payoff planner and tracker. Build an easy-to-follow payment plan with the debt snowball calculator, record your payments as you go, and watch your debt free date get closer; so you can finally eliminate your debt and do the things you really want to do, like travel or retire early. For over 10 years, Undebt.it has helped hundreds of thousands of people all over the world pay down billions of dollars in debt. You can do it too!
Undebt.it has 8 different accelerated debt payoff methods to choose from (including your own custom plan). The two most popular plans are paying down the debts with the lowest balance first (aka the "Debt Snowball") and paying down accounts with the highest interest rate first (aka the "Debt Avalanche"). Choose which one works best for you and easily switch between them at any time. Just plug in your budget & basic debt account information and Undebt.it will take care of the rest.
Take the tour | check out the website features | see the screenshots
using your computer, tablet, phone or pretty much any mobile device
Undebt.it makes it easy to see when each of your debts will be paid off - and proves how effective the debt snowball payment method really is. You can even add additional one-off payments (aka "Debt Snowflakes") to your snowball to speed up the process! As you record your payments, your debt balances, due dates and payoff dates will automatically be adjusted.
I just have to say THANK YOU for this amazing site. It is beautiful and very intuitive to use, and after my bank's app it is probably the website I use most in our debt-free journey. Great, incredible, amazing work. Thank you!
Danielle R.I just want to tell you this is the best money management site ever, I have done all of them YNAB, mvelopes, quicken, Dave Ramsey. Yours is the easiest to understand, and work with. GREAT JOB!
Joy B.LOVE the new format......thanks for helping others to be debt free!!!
Dianna C.I really enjoy seeing a succinct history of my bills and my debt history since it makes it easy to keep track of what has been paid as well as a great motivator on how far I have come
Matthew C.Create a one-off debt payment plan using either the Debt Snowball or the Debt Avalanche and see how they stack up against each other.
Just plug in your budget & basic debt info and you'll get a complete payment plan and a debt free date. You can see how adjusting your budget amount will affect your debt free date in real time. There's no account required to use the calculator, but you'll have the option to create one after your plan is calculated if you like.
& start taking control of your debt today. There's no catch, it really is free
Create a Free AccountUndebt.it+ has plenty to offer that you won't find anywhere else (and a new, lower price for 2026!)
If you really want to get in control of your debt, you've come to the right place. Undebt.it+ has tons of advanced debt management features that you'll only find here on this site. You can track your recurring non-debt accounts (like cell phone bills) with the bill management module and even take the 52-week savings challenge. Destroy your debt with the Debt Blaster payment enhancement plan. Always know where you stand with your payment plan by using Google/iCloud/Outlook calendar syncing. Undebt.it+ can even sync your account info with the popular budgeting app You Need a Budget. Use the power of artificial intelligence to create a debt payoff plan with Undebt.AI. Last but not least, the images below are a few examples of the exclusive Payoff Snapshots that update automatically with your current stats.
