Undebt.it Frequently Asked Questions & Help Center

How do I sign up for Undebt.it+?

Created February 17, 2021 - 31,894 Views

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

Is Undebt.it really free to use?

Created February 17, 2020 - 33,344 Views

Yes, this site will remain free as long as people want to use it. There really is no catch, I like helping people get out of debt! There is a premium account option you can check out if you want, 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....read more

Can I gift an Undebt.it+ membership?

Created November 17, 2022 - 13,873 Views

Yes, you can. Be sure you are logged into your account and visit the Undebt.it+ account gifting page. You'll be able to enter the e-mail address of the gift recipient and they will be automatically notified. As a thank you bonus, you'll get an extra 30 days of access added onto your account.

How do I print or export my information?

Created October 18, 2022 - 46,346 Views

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 remove prior to export. If you want to export the Debt Snowball Table, click on the "Download Excel S...read more

Can I connect my bank account like Mint does?

Created February 17, 2021 - 27,736 Views

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 time and resources. You can however, use Undebt.it+ to sync with your YNAB account.

Does Undebt.it sync with You Need a Budget?

Created February 17, 2021 - 26,662 Views

Yes it does! You can sync your account balances automatically and optionally, you can import your payment transactions as well. Check out this blog post for directions and screenshots. There's some more information on the Syncing With YNAB page

How much does Undebt.it cost?

Created December 12, 2023 - 19,789 Views

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 ...read more

How do I use the 52 week savings challenge?

Created March 8, 2021 - 21,921 Views

The 52 week savings challenge is part of the Undebt.it+ premium membership. The first thing that needs to be done is to turn on the Bill Management module from the My Account page. Once you have it turned on, create a new bill account and make sure to select 52 Week Savings Challenge as the bill type. For more information on how to use the advanced features, see the How to Use the Bill Management ...read more

Do I need an account to use the site?

Created February 17, 2020 - 24,259 Views

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.

How does Undebt.it protect my information?

Created February 17, 2021 - 28,625 Views

Security is a major concern whenever you are dealing with any type of personal information. Your password is never stored or transferred in plain text in any fashion; it gets encrypted using AES-256 before getting stored. I cannot see what your password is or what it was. When you go to the login page or new user registration page, SSL encryption will automatically be enabled. All traffic betwe...read more

How do I remove the pop-up ads?

Created December 12, 2023 - 12,398 Views

You can remove the ads on the main site by upgrading to an Undebt.it+ premium account. The ads are what helps keep the site free to use for basic use. You're also welcome to install a pop-up ad blocker for your browser if you wish.

How do I import YNAB transactions?

Created March 7, 2021 - 28,603 Views

You can import your reconciled YNAB transactions into Undebt.it. This option needs to be turned on for each debt account you would like to import. After the accounts are linked, go to the Debt Details page for the account and turn on the Import Transactions option. Make sure you don't have the Autopay option turned on, or you will end up with duplicate transactions....read more

How do I deal with bi-weekly payments?

Created February 17, 2021 - 42,444 Views

This site is based on accounts with monthly payments, but there is a way to workaround the problem. First, change the due date of the account to the end of the month. Record your payments as you normally would, but you'll have to override the payment amount. When you make payments, keep an eye on the due date. If your payments are over the minimum payment due amount, the due date will get bumped u...read more

What is the cash flow index (CFI) payoff method?

Created March 9, 2021 - 28,887 Views

The Cash Flow Index (CFI) payoff method is a way to identify the debts that have the most impact on your cash flow and pays those off first. By prioritizing these debts, you can free up cash and cut down on required monthly payments. This plan appeals to people who value the flexibility of lower monthly payments. The cash flow payoff method is one of nine plans supported by Undebt.it. See the Cas...read more

The amounts the plan is wanting me to pay are very high

Created February 17, 2021 - 30,535 Views

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 p...read more

I have a student loan that's not due for another six months.

Created February 17, 2021 - 31,711 Views

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 a...read more

What is the hybrid (debt ratio) payoff plan?

Created March 12, 2021 - 34,136 Views

The idea behind the Debt Hybrid (Debt Ratio) plan is to bring together the best parts of the snowball and avalanche payoff methods so that you can pay debts off quickly and effectively while at the same time maintaining your motivation. The snowball debt payoff method is popular because it allows you to quickly accumulate “victories” by completely paying off smaller debts quickly. The downsid...read more