Choose Undebt.it if…
Your debt spans lots of types (cards, loans, medical), you're happy entering balances by hand, you want the widest set of payoff-method options, and the lowest annual price matters most.
Cardinate vs Undebt.it
Cardinate vs Undebt.it, compared honestly.
I've used the manual, all-debt planners, and Undebt.it is a good one, genuinely cheaper too. But once my debt was basically all credit cards, I wanted something card-first and automatic: bank sync, utilization, and 0% APR alerts. Here's the straight comparison.
| Feature | Cardinate | Undebt.it |
|---|---|---|
| Built for | Credit cards, specifically | General debt payoff |
| Automatic bank sync | Yes, Plaid (Pro) | No, manual entry |
| Utilization tracking | Yes, per-card + total | Not a core focus |
| 0% / promo APR tracking | Yes | No |
| Payoff strategies | 3 (avalanche, snowball, balance-transfer) | 8 methods |
| Manual entry option | Yes | Yes |
| Interface | Modern, mobile-friendly | Functional, utilitarian |
| Price | Free (unlimited manual cards) · $12.99/mo Pro | Free · ~$10 to $12/yr premium |
Calculations are estimates for educational purposes only and do not constitute financial advice. Actual payoff timelines, interest charges, and credit outcomes may vary.
Undebt.it details reflect public information at time of writing and may change. Verify current features and pricing before relying on them. Not affiliated with Undebt.it; Undebt.it and Plaid are trademarks of their respective owners.
Who it's for
Pick the one that fits how you work.
Choose Cardinate if…
Your debt is mostly credit cards, you want balances to update automatically, and you care about utilization, APR awareness, and getting warned before a 0% promo expires.
The real overlap
Both do the core job: see your balances and follow a payoff plan. Undebt.it has been at it longer and costs less; Cardinate is newer, card-focused, and more automated.
Why I built Cardinate anyway
I was a happy spreadsheet-and-manual-tracker user until I hit 10+ cards and couldn't keep utilization and 0% deadlines straight. Cardinate is the card-first, automatic version I wanted.
FAQ
Frequently asked questions
If your debt is mostly credit cards and you want automatic tracking, yes. Cardinate is built card-first, syncs balances via Plaid, and tracks utilization and 0% APR deadlines. Undebt.it is a strong, cheaper choice if you prefer manual entry and want more payoff-method options across all debt types.
Undebt.it supports more payoff methods (eight versus three), covers all debt types rather than just cards, and costs less per year (around $10 to $12). It's been around longer and has a loyal following of manual-tracking users.
No. Undebt.it is manual, so you enter and update balances yourself. Cardinate can auto-sync supported cards through Plaid on the Pro plan, or stay fully manual if you prefer.
Cardinate, because credit-card details like per-card utilization, APR, due dates, and 0% promo deadlines are first-class features rather than an afterthought. Undebt.it treats cards as one of many debt types.
Undebt.it's premium is cheaper on an annual basis (~$10 to $12/yr). Cardinate's free plan is $0, forever, and covers unlimited manual card tracking: balances, utilization, APR, due dates, and 0% deadline alerts. Pro is $12.99/month or $129/year (2 months free) and adds automatic bank sync, payoff strategy comparison, and full history. Which is better value depends on whether automatic tracking is worth it to you.