How is Undebt.it different from Debt Payoff Planner?

Debt Payoff Planner is a native iOS and Android app (with a web version) that does snowball and avalanche well, free with a Pro plan from $2 a month through the app stores. Undebt.it is a web app that works in any browser and on a phone's home screen, offers eight plus payoff methods with side by side comparison, and has a $10 a year Plus tier that does not auto renew. Neither connects to your bank. Pick Debt Payoff Planner if you want an app store install and the simplest possible experience; pick Undebt.it if you want more strategies, more detail and a price paid once a year.

FAQ: Undebt.it vs Debt Payoff Planner

I run Undebt.it, so read this knowing where I stand. I have tried to keep it factual, and everything about Debt Payoff Planner below comes from their own site as of September 2026. If something changes on their side, tell me and I will fix it.

The short version

Both tools do the core job: enter your debts, pick snowball or avalanche, get a debt free date and log payments against it. They differ on platform, on how many payoff strategies they offer, on pricing model, and on how much detail they show.

Side by side

Feature	Undebt.it	Debt Payoff Planner
Platform	Web app, any browser, add to home screen on mobiles	iOS and Android apps, plus web
Free plan	Unlimited debts, every payoff method, Excel export, compare page	Yes, "everything most people need"
Paid plan	Undebt.it+, $10 a year, paid once, no auto renewal, 30 day trial with no card	Pro from $2 a month, billed through the app stores
Payoff methods	Snowball, avalanche, hybrid, cash flow index, custom order and four more	Snowball and avalanche
Compare methods with your numbers	All methods side by side	Snowball vs avalanche
Extra payments	Debt snowflakes, unlimited per month, negative ones too	One time extra payments
Account required	For the planner only; calculators need no signup	Yes, account creation is step one
Bank connection	No; YNAB (& SimpleFIN-coming soon!) sync for Plus members	No
Promo APR support	Yes, free	Yes
Ads	None on calculators or Plus; some in the free member area	See their current listing
Who runs it	One person, since 2012	OxbowSoft LLC, since 2015

Where Debt Payoff Planner is the better pick

If you want an icon from the App Store or Google Play, push notifications and the least possible setup, it is a polished app and a million downloads say people like it. If you only ever intend to use snowball or avalanche, its two strategy design is a feature, not a limit.

Where Undebt.it is the better pick

If you want to see what a hybrid order or a cash flow index order does to your date before you commit, only one of the two will show you. If you want a month by month table with every payment on it, exportable to Excel, that is what the snowball table is for. If you would rather pay $10 once a year than a monthly app store subscription, or you split time between a phone and a desktop, a web app that logs in anywhere fits better. And if you never want to install anything, add the site to your home screen and it behaves like an app.

What neither does

Neither tool links directly to your bank. You enter balances and log payments yourself in both. That is a deliberate privacy trade in Undebt.it's case: no credentials shared, no aggregator in the middle, at the cost of a few minutes a month.

Switching from Debt Payoff Planner

Your debts are just names, balances, rates and minimums. Enter them on the quick start grid and you will have the same plan in Undebt.it in a few minutes, plus the other methods to compare it against.