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
No, you don't need an account to use the site. Check out the Debt Snowball Calculator page to get a payment plan without signing up for anything. There's also a demo account setup so you can take a test drive before signing up....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.
In general, the best way to decide which debt to payoff first is to start with the debt with the highest interest rate and work your way down from there. From a purely mathematical standpoint, the debt avalanche (highest interest rate first) payoff method is the most effective way to pay down debt. ...read more
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
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 yo...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
No signup is required for any of the calculators. You can open one, enter your debts and see your debt free date without giving an email address or creating anything. The snowball & avalanche calculators have a "copy share link" button; which gives you the ability to come back to the plan later. All...read more
The interface is English only. There is no translated version of the site, and every email, help article and video is in English. What is not tied to the United States is the money. Currency and number formatting Open My Account and choose your locale. Undebt.it uses that setting to render every a...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
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
Undebt.it is a web app, and since September 2026 it can install like a native one. There is nothing to download from an app store: your phone's browser does the install, and the result is an icon on your home screen that opens the site, logged in and full screen with no address bar, just like a regu...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
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