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The user guide goes into detail on how to use all of Undebt.it's many features - it also includes tons of screenshots. Get it right here

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The Undebt.it blog always has the most up-to-date information on new features, useage tips and bug fixes. Use the blog categories & tags links to the right.

Yes, this site will remain free as long as people want to use it. There is a premium account option, but you get plenty of features with the basic (free) version. You can visit the support the site page to see how you can help the site.

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.

Go to the My Account page and you'll see a section where you can delete or reset your account. Deleting your account clears all of your information, while reseting your account just deletes the transactions and history. After confirming you want the account deleted, all of your info will be immediately deleted.

Bill management is part of the Undebt.it+ suite of optional add-on functions. The Undebt.it bill management module was built from the ground up and designed to handle your recurring, non-debt expenses such as cable, phone, utilities, etc. Here are some of the highlights:

  • Repeat bills every x months or years
  • Automatically record bill payments (autopay)
  • Add unlimited bill accounts
  • Bill Dashboard groups outstanding bills into groups (past due, due within 7 days, and due within 30 days)
  • Sms/text message payment reminders
  • Bill history
See the How to Use the Bill Management Module blog page for more details

Your password is never stored in plain text in any fashion; it gets encrypted before getting stored. I cannot see what your password is. When you go to the login page or new user registration page, SSL encryption will automatically be enabled. All traffic between this site and your browser is protected in the same method that the banks use.

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".

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 Debt Accounts" section.

No, unfortunately there is not. I don't have the resources to develop a mobile app at this time. However, the site has been designed to work very well on all mobile devices using a web browser. You can even make a shortcut on your phones' home screen: in iOS, open up the site using Safari and click on the share button (the square with the arrow pointing up) and click on the "add to home screen" button. An icon will be created that goes directly to Undebt.it.

No, unfortunately this will probably never happen. It is just me running this site and connecting third party banking information takes a tremendous amount of resources.

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, the site doesn't know that you've already made payments. The best way to fix this is to record the payments you have made in the debt details page for each account. Just make sure you choose the current billing month when entering the payment amounts. As you record your payments, you will see the numbers change in the "Payments Made" box on the status bar across the top of the screen. Once all of your payments are recorded, your payment plan will be accurate.

You can change the payoff debt method in three different places. When you choose a new plan, everything is updated automatically for you.

  • The first location you can find this is on the "debt dashboard" page at the top of the page.
  • Another place is on the "my account" page.
  • The last place is on the "debt snowball table" page.

I encourage you to select different plans to see how your payoff date is changed. Of course, you can fine-tune your payoff plan with the custom payoff plans.

The "balance" field refers to your current statement balance. The "high 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 balance of $1,000, but it got as high as $5,000 last year. You've been paying it down in the meantime and the current balance is down to $1,000. The high balance would be the $5,000 number. However, if you want to start the progress from scratch, just use your current balance as the high balance too. The highest balance is only used to track your overall payoff progress percentage.

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.

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 month is June (even if you pay it on May 31).

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".

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.

Interest is automatically accrued (added to the balance of your account) once a month - you do not need to manually add the interest charges. The day of your account's due date is used as the accrual date. For example, if you have an account that is due on 3/29, the interest will be accrued every month on the 29th day.

Undebt.it supports promo interest rates, so if you have your account set to be in a promo, then the promo interest rate is what will be used to calculate the current month's interest.

There's also an area on the debt details page where you can see a history of the monthly interest charges. Note that your bank or lender may calculate interest differently, so it may be necessary to occasionally update your accounts balance manually.

Debt Snowflakes are handled on the Additional Payments page. All you need to do is enter in the billing month and amount you plan to have extra. You can have more than one snowflake in a month if you like (they are added together). You can even have a negative snowball amount in a month if you know you're going to be short on a given month. Remember, snowflakes are an extra amount on top of your regular budget.

For Undebt.it to work correctly, you need to be able to at least pay the minimum amounts due on all of your accounts. Let's say you have a monthly budget of $1,000 and the total minimum payments due on your debt accounts is $900. Then you decide to add another debt account that has a $150 monthly payment. Undebt.it will automatically increase your budget to $1,050. If you are unable to pay the minimum amount due on an account, then you need to exclude it from the payment plan. There is a setting in My Account > Profile Settings called "Auto Budget Adjustment" where you can turn this off if you like.

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 remember is that the payments on the deferred loan will be automatically reallocated to other debt accounts until the payment is due. *Tip* If you have a deferred loan and you don't want the payment to be reallocated, create a negative amount debt snowball for each month you want to skip a payment.

Make sure you are logged into your account and then visit the Undebt.it+ page. At the bottom of the features table, click on the link that says Purchase Now

Bill management is part of the Undebt.it+ suite of optional add-on functions. The Undebt.it bill management module was built from the ground up and designed to handle your recurring, non-debt expenses such as cable, phone, utilities, etc. Here are some of the highlights:

  • Repeat bills every x months or years
  • Automatically record bill payments (autopay)
  • Add unlimited bill accounts
  • Bill Dashboard groups outstanding bills into groups (past due, due within 7 days, and due within 30 days)
  • Sms/text message payment reminders
  • Bill history
See the How to Use the Bill Management Module blog page for more details

Absolutely. Just login to your account and go to the Undebt.it+ page and click on the button labeled Enable 30-Day Trial and you're good to go. There's no credit card required to try it out. If don't want to buy the membership, just let it expire in a month and there's nothing else you need to do.

Go to the My Account page and then to the Undebt.it+ Membership tab. You'll see your order history as well as the date that your membership is good through.

Go to the My Account page and select Debt Blaster from the debt payoff method list. Next, decide on if you would like to increase your budget by a percentage amount or a fixed amount. Your monthly budget will be automatically adjusted on the first day of every month. You can see your payoff plan on the Debt Snowball Table to see your new payoff plan.

Yes, there usually are active promotions. Check Facebook and Twitter for active promotions - the links to both are in the page footer.

@undebt_it I made some changes to the logic tonight...please check out the snowball table page and let me know if you see any problems.
9:47 PM - Jan 12th 2017
@undebt_it The DEBTFREENEWYEAR promo code is still good for the rest of the week. This will get you a year of Undebt.it+ for way under a dollar a month
8:31 AM - Jan 3rd 2017
@undebt_it Announcing the Undebt.it Affiliate Program: Earn a commission on every premium sign-up your… https://t.co/UI0m23N443 https://t.co/V5cO1kkACs
3:50 PM - Dec 30th 2016
@undebt_it I'm starting up an affiliate program that will pay 15% of any referral sales of Undebt.it+ memberships. DM me if you'd like to test it out.
11:34 AM - Dec 30th 2016
@undebt_it If you had started the 52-week savings challenge this time last year, you'd have over $1400 in the bank. Roll your… https://t.co/2GRVOz1WH4
11:00 AM - Dec 28th 2016