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Undebt.it

Undebt.it

Money & Personal Finance ResourcesFinancial CalculatorsCredit & Debt Management
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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

Illustration for Undebt.it