Undebt.it Alternatives: 6 Options and Who Each One Is For

Let me start by saying Undebt.it is great. It's been around since 2012, it's free to start, and it has more payoff methods than almost anything else out there. If it works for you, keep using it.

But it doesn't click for everyone. Some people want an app from the App Store. Some want something that looks simpler. And some, like me, mostly have credit cards and want to see due dates, 0% promo deadlines and utilization next to the payoff plan.

Full disclosure: I built one of the apps below, so I'm biased on that one. Here's what each alternative is actually good at.

At a Glance

Why People Look for an Undebt.it Alternative

A few reasons come up over and over:

• You want a "real" app. Undebt.it added an installable app for iPhone and Android in 2026, but it's a web app you add to your home screen from your browser. You won't find it in the App Store or Google Play.
• It feels like a lot. Eight payoff methods and tons of settings are great if you love details. If you just want to know what to pay this month, it can feel like more than you need.
• You want bank sync. It's possible with Undebt.it+, but it goes through a separate service called SimpleFIN.
• Your debt is mostly credit cards. Undebt.it treats every debt the same way. If you're juggling several cards, you might also care about due dates, utilization and promo end dates, not just the payoff order.

If none of those bother you, Undebt.it is probably still your best free option.

Cardinate (For Credit Cards)

This is mine. Cardinate only does credit cards, so the payoff plan sits next to everything else you're juggling: each card's balance, due date, utilization, APR, 0% promo end date and annual fee, on one screen. It shows your debt-free date and what to pay on each card, and it reminds you before due dates and promo deadlines.

The big difference from Undebt.it is the promo-first plan. Say you owe $2,400 on a card whose 0% promo ends in June. Cardinate can put that card first and tell you how much to pay each month so it's gone before the regular rate kicks in, while you pay the minimums on everything else.

• Price: Free for unlimited cards you add by hand, with an avalanche payoff plan and your debt-free date. Pro is $12.99 a month or $129 a year, with a 14-day free trial and no card needed. It adds snowball and promo-first plans, plus bank sync through Plaid so balances update on their own.
• Good for: Paying off several credit cards, especially with 0% promos.
• Not for: Student loans, car loans or a mortgage. It's credit cards only, so if you have a mix of debts, Undebt.it covers more.

If that sounds like you, you can try Cardinate free.

Debt Payoff Planner & Tracker (App Store Pick)

If what you really want is a simple app from the App Store, this is the one most people land on. It has a 4.7 rating from about 7,400 reviews on the App Store. You enter your debts, choose snowball, avalanche or your own order, log payments, and watch your debt-free date and progress charts.

• Price: Free to start. Pro is $6.99 a month or $27.99 a year.
• Good for: People who want something simple and focused on their phone.
• Not for: Automatic updates. It doesn't connect to your bank, so you enter balances and payments yourself.

YNAB (If the Real Problem Is Finding the Money)

YNAB isn't a payoff planner first. It's a budgeting app where every dollar gets a job, and that's often how people find the extra money to throw at their debt. It has a loan planner that shows how extra payments change your payoff date. Undebt.it even syncs with YNAB, so some people use both.

• Price: $14.99 a month or $109 a year, with a 34-day free trial.
• Good for: People who need a budget before a payoff plan will stick.
• Not for: A side-by-side comparison of payoff methods. That's where Undebt.it shines.

EveryDollar (For Ramsey Fans)

EveryDollar is the budgeting app from Ramsey Solutions. It's built around the debt snowball, smallest balance first, and it tracks your progress and suggests a new payment if you fall behind.

• Price: The basic budget is free. Premium is $17.99 a month or $79.99 a year, with a 14-day free trial, and adds bank sync and the debt payoff tracker.
• Good for: People already following the Ramsey baby steps.
• Not for: Anyone who wants the avalanche method. It's snowball only.

PowerPay (Free, From Utah State University)

A free set of debt calculators from Utah State University Extension. It builds a payoff plan using snowball, avalanche or highest payment first, and gives you a month-by-month payment calendar.

• Price: Free.
• Good for: A no-cost plan from a nonprofit source, if you liked that Undebt.it was free.
• Not for: Reminders or automatic updates.

A Spreadsheet

If Undebt.it felt like too much, a simple debt payoff spreadsheet (Vertex42 has free templates) might be all you need.

• Price: Free.
• Good for: A few debts and people who like full control.
• Not for: Reminders. A spreadsheet won't tell you a payment is due or a promo is ending. I wrote more about when a spreadsheet stops working.

So Which One Should You Use?

• You have a mix of cards and loans and like details: stick with Undebt.it.
• Your debt is mostly credit cards, maybe with 0% promos: that's exactly what Cardinate is built for.
• You want a simple app from the App Store: Debt Payoff Planner & Tracker.
• You need to find the money first: YNAB, or EveryDollar if you follow Ramsey.
• You want free and simple: PowerPay or a spreadsheet.

There's no prize for picking the "best" app. The one that works is the one you'll actually open every month.

The Quick Version

• Undebt.it is one of the best free payoff planners, but its phone app is a home screen web app and bank sync needs Undebt.it+ and SimpleFIN.
• Cardinate is built for credit cards, with promo deadlines, due dates and utilization next to the plan, and it's free for unlimited cards by hand.
• Debt Payoff Planner & Tracker is the simple App Store option, with no bank sync.
• YNAB and EveryDollar are budgeting apps that help you find the money, and EveryDollar is snowball only.
• PowerPay and a spreadsheet are free if you just want a plan.

If your debt is mostly credit cards, Cardinate is free to start. Add your cards by hand, or connect your banks with the free Pro trial.

Prices were checked in November 2026 and can change, so confirm on each app's site.

Sources

• Undebt.it: What's the deal with Undebt.it? and Undebt.it+ features and pricing
• Undebt.it blog: Undebt.it now has mobile apps
• App Store: Debt Payoff Planner & Tracker
• YNAB: Debt management
• Ramsey Solutions: EveryDollar
• Utah State University Extension: PowerPay
• Hunter Vault: Best debt payoff apps in 2026