Undebt.it
Verified working Sep 20, 2026
A debt payoff planner for comparing snowball, avalanche, and custom plans.
Undebt.it is a web-based debt payoff calculator and tracker that turns your debt balances, interest rates, and monthly budget into a payment plan. It supports several payoff strategies, including snowball, avalanche, hybrid, cash-flow-based, credit-utilization-based, and custom ordering, with optional tracking as payments are made.
Why it stands out
- Offers more payoff-ordering methods than typical snowball-only calculators, including cash flow index and credit utilization options.
- Lets users switch between strategies to compare payoff dates and interest impact.
- Includes both a no-signup quick calculator and a fuller account-based tracker.
- Supports Excel export of accounts, payment history, and payoff plans, reducing lock-in.
- Has been focused specifically on debt payoff planning for more than a decade.
Good to know
- Advanced features such as bill management, calendar syncing, savings challenges, and YNAB-related syncing are part of the paid Undebt.it+ tier.
- The planner depends on user-entered debt details and recorded payments; the page does not present it as automatic bank-account aggregation.
- The quick calculator is intended for one-off planning, while ongoing tracking requires creating an account.
Photos
People actively paying down multiple debts can build a structured payoff plan and track progress without starting in a full budgeting app. Compare debt snowball versus debt avalanche results before choosing a strategy. Record extra one-time payments and see how they change payoff timing. Export debt accounts, payment history, or payoff schedules for spreadsheet review. Use the quick calculator for a one-off plan without creating an account.
Debt snowball and avalanche calculators; unlimited debt accounts; multiple accelerated payoff methods; custom payoff ordering; projected payoff date and interest totals; payment tracking with adjusted balances and due dates; extra-payment “snowflake” support; Excel exports; mobile-friendly web interface; optional Undebt.it+ features such as bill tracking, calendar syncing, savings challenges, Debt Blaster, and YNAB-related syncing.
Technical Notes
- Users can export accounts, payment history, and payoff plans to Excel for structured spreadsheet access.
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