Undebt.it is FREE to use. There is no limit to how long you can use Undebt.it or how many debts you are keeping track of. I built this site to help myself and others get out of debt so I want to keep it free. Also, unlike some other debt management sites, I don't track, sell or monetize your data.
There is an optional paid version called Undebt.it+ that does offer some more features, but it's not required and the free version has a ton of features. Check out the comparison between the free version and the paid version.
If you have seen $12 a year quoted, that was the Undebt.it+ price for many years. It was lowered to $10 a year in 2026, and it is a one time annual payment rather than a subscription, so nothing renews or charges you again without you choosing to.