Most of the information tables on the site have export/print buttons at the top. For example, if you would like to print or export your account information, go to the Account List page and use the buttons at the top of the list. You can use the "Columns" button to select which columns to add or remo...read more
The debt snowball amount is not something you can change directly; it's a calculated amount. The snowball amount is the difference between your total budget amount minus the sum of your minimum payments. For example, if your total budget is $1,000 and the you have 2 credit cards with a $200 payment ...read more
The green check mark in the My Debt Accounts side menu means that the debt account has met the monthly payoff goal and is done until next month. ...read more
The debt account tiles on the classic version of the Dashboard page have a button labeled "Quick Pay". This is just a fast way to record a payment versus going into the Debt Details page and doing a manual transaction. When doing a Quick Pay transaction, the payment amount and payment date are what ...read more
On the Dashboard & Snowball Table pages, you may see an asterisk (*) next to the dollar amount. The asterisk means that at least one payment has been made for the current month and this is the remainder of the amount scheduled to be paid.
Yes, you can keep track of your home mortgage. When you setup the debt account, make sure to choose Mortgage as the account type. Once you change the account type to mortgage, there will be an additional field labeled Escrow, Taxes & Insurance available. Use the principal payment amount as the M...read more
Undebt.it supports deferred due dates, so just add it in like any other debt account and choose the actual due date. Check out the Debt Snowball Table and you'll notice that there won't be any payments due on your student loan until the month when the payments are scheduled to kick in. One thing to ...read more
It sounds like you either have your monthly budget set too high *or* you are joining mid way through a billing cycle and you have already paid some of your debt accounts for the month. Undebt.it will try and use all of your budget each month to pay down debt and if you have just created an account, ...read more
The "balance" field refers to your current statement balance. The "highest balance" can be your current balance too if you're just getting started. It can also be used to track existing payoff progress before signing up on the site. For example, let's say you have a credit card with a current balanc...read more
You'll see the term "billing month" on the debt details page. It refers to the month in which the payment is due. It's possible that a payment is made at the end of the month, but the account's due date is in the following month. For example, if you have a debt that's due on June 6, the billing mont...read more
Go to My Debts > Debt List and scroll down to the bottom to the "Add New Debt Account" section. You can setup as many debt accounts as you like.
Yes. Go to the Debt Details page for the debt account and uncheck the box labeled Include in payoff plan?. When you go to the Debt List page, you'll notice that the account will be labeled excluded. You can also go to the Account List page and click on the button in the Status column....read more
You can change the payoff debt method in two different places. When you choose a new plan, everything is updated automatically for you and you can change it back any time you like. The first location you can find it is on the "My Account" page. The other place is on the "Debt Snowball Table" page....read more
Go to the Debt Details page for the account (click on the account name on the Account List page). There is a "Delete Account" button at the bottom of the page.
Go to the Debt List page. This page shows a list of all of your debt accounts and there is a form at the bottom for adding new accounts. Click on the name of the account in the list to get to the Debt Details page of the account. There is also a link to add new accounts on the left sidebar in the My...read more
The two places you'll be spending the most time are the Debt Dashboard and the Snowball Table page. The Dashboard is where you can keep track of your current accounts and record payments. The Snowball Table page shows you your entire payment plan from start to finish; it's like what you see on the D...read more
The amount shown in blue text on the Debt Snowball Table page is the amount that has been paid on the debt in the current billing month. In the example below, the $459 payment on the auto loan is the full amount that was scheduled to paid, therefore there is nothing more that needs to be paid on tha...read more
This is by design. The loan will show up on the snowball table for the remainder of the month. Once the next month comes around, the account will fall off of the list. This keeps the payoff plan accurate for the current month. Use the "next month" button on the snowball table to see what the plan lo...read more
You can login to Undebt.it without a password by using the "Email me a sign-in link instead" link on the login page. You can also use the "Sign in with Google" option. One thing to note about the Google login is that the e-mail address tied to your Google account must match your Undebt.it account; i...read more
No. You can add as many debt accounts as you have, and that has been true of the free version since the site launched in 2012. What is unlimited Debt accounts: credit cards, loans, medical bills, anything with a balance and a payment. Add as many as you need. Payment history: every payment and ...read more
You can create as many partial monthly payments as you want. The payment amount Undebt.it suggests is a plan, not a rule. Log what you actually paid and the site works from there. Logging a partial payment Open the Dashboard (or the Debt Details page for the account). In the payment manager, th...read more
You can switch back and forth between the different versions by clicking on the settings icon on the top right and choosing "switch to classic view". The process is the same if you want to switch from the classic version to the new version. Your choice will be remembered, so there is no need to do t...read more
If your payoff method changed and you did not change it, Auto-adjust Payoff Plan did. Here is what it is, the exact rule it follows, and how to turn it off. What Auto does The two best known payoff orders are the debt snowball (smallest balance first, for momentum) and the debt avalanche (highest ...read more
The dashboard shows everything. Plan.it shows what matters this week. Both read the same plan, so nothing is duplicated; Plan.it is a view, not a second system. I designed Plan.it to give you a simple way to view and manage all of your debts and bills in single place. There are two components to the...read more
Nothing you record is permanent. A payment logged twice, typed with the wrong amount, or added by an accidental tap on Quick Pay can be removed in a few seconds, and the plan repairs itself. Deleting it Open the debt from your Account List to reach its Debt Details page. Open the Transactions t...read more
A mortgage payment is really two payments in one envelope. Part of it pays the loan; part of it goes into an escrow account that your servicer uses for property taxes and insurance. Undebt.it keeps them apart, because treating escrow as a loan payment would show your mortgage paying off years early....read more
New members sometimes add rent, the phone bill or a paycheck as a debt account, and the plan comes out strange. Here is where each thing goes. Debts: a balance you are paying down A debt account is anything that has a balance, a payment and, usually, an interest rate. Add these on the Account List...read more
Changing a due date on one account A due date belongs to the debt account. Open the account from your Account List and change the due date on its Debt Details page. The calendar, the reminders and the order of the month's payments all follow it immediately. A few things worth knowing: The due d...read more