5 Best Debt Payoff Planner Alternatives (2025)

Debt Payoff Planner has helped millions track their debt, but it's not the only option. Whether you want income tracking, scenario planning, or more advanced features, there are strong alternatives worth considering.

This guide compares the best Debt Payoff Planner alternatives in 2025, with honest pros and cons to help you choose.

Why People Look for Alternatives

Debt Payoff Planner is a solid app, but users often switch because:

• Manual entry only: Every payment must be entered by hand
• No income tracking: Can't see how income changes affect your debt-free date
• Limited scenario planning: Hard to test "what if" situations
• Basic feature set: Some users want more advanced optimization
• Single currency focus: Challenging for international debt

If these limitations affect you, here are your best options.

Quick Comparison: Debt Payoff Planner Alternatives

1. DebtGone — Best for Income-Based Optimization

DebtGone takes a fundamentally different approach: instead of just tracking debt, it connects your income, expenses, and debt to show you how to pay off debt faster.

What makes it different: Debt Payoff Planner tells you when you'll be debt-free based on your current payments. DebtGone shows you how to find extra money and get there sooner.

Key Features

• Recurring income & expense tracking: Enter your monthly income and expenses to see exactly how much surplus you have
• Scenario planning: Test "what if I paid $200 more?" before committing
• One-time payments: Model tax refunds, bonuses, and windfalls to see their impact
• Multiple payoff strategies: Compare snowball, avalanche, and custom approaches
• Reserve capital: Plan emergency fund alongside debt payoff
• Multi-currency support: Track international debt

Pricing

• 34-day free trial: Full access to all features
• Monthly: $10/month
• Annual: $73/year (just $0.20/day)
• Lifetime: $120 one-time payment

Pros

• See how income and expenses affect your debt-free date
• Scenario planning helps optimize decisions
• Model one-time payments like tax refunds
• Works with multiple currencies
• Simple manual entry keeps you engaged

Cons

• Newer app (smaller community than established apps)
• No bank sync (manual updates required)
• Requires subscription after trial

Best for: People who want to optimize their debt payoff, not just track it.

2. Undebt.it — Best Budget Option

Undebt.it offers more payoff method options than almost any competitor—and it's mostly free.

Key Features

• 8 payoff methods: Snowball, avalanche, and 6 more strategies
• Debt Snowflakes: Track one-time extra payments
• No signup required: Use the calculator instantly
• YNAB integration: Import existing data

Pricing

• Free: Full calculator and basic tracking
• Plus: $12/year for reminders and extra features

Pros

• Cheapest premium option available
• Most payoff method choices
• No account needed for basic use
• Privately owned, no hidden agenda

Cons

• Web only (no native mobile apps)
• Manual entry required
• No income or expense tracking
• Basic interface design

Best for: Users who want maximum features at minimum cost.

3. YNAB — Best for Complete Budgeting

If you want debt payoff as part of a comprehensive budgeting system, YNAB (You Need A Budget) is the gold standard.

Key Features

• Zero-based budgeting: "Give every dollar a job"
• Loan payoff simulator: Plan extra payments
• Bank sync: Automatic transaction imports
• Strong community: Active forums and support

Pricing

• $109/year (34-day free trial, no free tier)

Pros

• Comprehensive financial management
• Proven methodology with large community
• Excellent educational content
• Bank sync included

Cons

• Most expensive option
• Steep learning curve
• Debt payoff is secondary to budgeting
• Overkill if you only need debt tracking

Best for: Users who want complete control over all their finances, not just debt.

4. Tally — Best for Credit Card Automation

Tally takes a unique approach: it's a line of credit that automatically manages your credit card payments.

Key Features

• Automated payments: Tally pays your cards, you pay Tally
• Lower interest rate: Tally's rate may be lower than your cards
• Late fee protection: Never miss a payment
• One payment: Simplify multiple cards into one

Pricing

• Free app: Basic features
• Tally+ ($4.99/month): Additional benefits

Pros

• Truly automated debt management
• Potentially lower interest rates
• Eliminates missed payments
• Hands-off approach

Cons

• Only for credit cards (not other debt)
• Requires credit check
• Not available in all states
• Taking on new credit to pay old credit

Best for: People who struggle with multiple credit card payments and want automation.

5. Qoins — Best for Micro-Payments

Qoins rounds up your purchases and puts the spare change toward debt—automating small extra payments.

Key Features

• Round-up payments: Spare change goes to debt
• Automated transfers: Set it and forget it
• Multiple debt support: Pay toward any debt
• Bank connection: Tracks purchases automatically

Pricing

• $2.99/month subscription

Pros

• Painless way to make extra payments
• Fully automated
• Works with any debt type
• Small amounts add up over time

Cons

• Monthly fee reduces effectiveness
• Small payment amounts
• Not a complete debt management solution
• Limited tracking features

Best for: People who want to make extra payments without thinking about it.

---

How to Choose the Right Alternative

What's your primary need?

• Find extra money for debt → DebtGone
• Cheapest possible option → Undebt.it
• Complete financial overhaul → YNAB
• Automate credit card payments → Tally
• Effortless extra payments → Qoins

Do you want bank sync?

• Yes, automatic tracking → YNAB, Tally, Qoins
• No, prefer manual entry → DebtGone, Undebt.it, Debt Payoff Planner

What's your budget for apps?

• Free/cheap → Undebt.it ($12/year)
• Under $80/year → DebtGone ($73/year), Qoins ($36/year)
• Any budget → YNAB ($109/year)
• One-time payment → DebtGone ($120 lifetime)

---

DebtGone vs Debt Payoff Planner: Detailed Comparison

Since DebtGone is the most direct alternative with enhanced features, here's a deeper look:

What Debt Payoff Planner Does Better

• Free tier available: Basic features at no cost
• Established reputation: Years of positive reviews
• Simpler interface: Less to learn

What DebtGone Does Better

• Income awareness: See how recurring income/expenses affect your debt-free date
• One-time payment modeling: See exactly how tax refunds or bonuses impact your timeline
• Scenario testing: Try different strategies before committing
• Multi-currency: Handle international debt
• Reserve capital: Plan emergency fund alongside debt

---

Making Extra Payments: The Key to Faster Payoff

Whichever app you choose, the real key to faster debt payoff is finding extra money to put toward principal. Here's how each app helps:

---

Frequently Asked Questions

Is Debt Payoff Planner free?

The basic version is free with ads. A Pro version removes ads and adds features. Alternatives like Undebt.it also have free tiers, while DebtGone offers a 34-day free trial.

Which app is best for debt snowball method?

All apps mentioned support debt snowball. DebtGone and Undebt.it also let you compare snowball vs avalanche to see which saves more.

Do I need bank sync for debt payoff?

No. Many people find manual entry actually helps them stay more aware of their debt situation. Apps like DebtGone send reminders to update your balances, keeping you engaged without complex bank connections.

Can I track multiple types of debt?

Yes, all alternatives support multiple debts including credit cards, student loans, car loans, mortgages, and personal loans.

What if I have debt in different currencies?

Most apps focus on single-currency tracking. DebtGone offers native multi-currency support for international debt.

How do I know which payoff method is best?

Avalanche (highest interest first) saves the most money mathematically. Snowball (smallest balance first) provides psychological wins. Apps like DebtGone let you compare both to see actual dollar differences.

Will these apps hurt my credit score?

No. Debt tracking apps don't affect your credit. Only Tally requires a credit check since it offers a line of credit.

Can I switch apps mid-payoff?

Yes. Your debt balances don't change based on which app you use. Set up your accounts in the new app and continue tracking.

How accurate are debt-free date predictions?

Predictions are based on your current payment amounts. Making extra payments will accelerate the date. Missing payments will push it back.

Do any of these apps negotiate with creditors?

No, these are tracking and planning tools. Debt settlement or negotiation is a separate service typically offered by debt relief companies.

---

The Bottom Line

Debt Payoff Planner is a capable debt tracker, but it's limited by lack of income tracking and scenario planning.

Choose DebtGone if you want income tracking, scenario planning, and one-time payment modeling at $73/year (or $120 lifetime).

Choose Undebt.it if you want the most affordable option with lots of payoff methods.

Choose YNAB if you want comprehensive budgeting beyond just debt.

Choose Tally if you want automated credit card management.

Choose Qoins if you want effortless micro-payments toward debt.

The best app is the one that keeps you engaged and making payments.

Related Articles

• 5 Best YNAB Alternatives for Debt Payoff - Compare budgeting apps
• Alternative to Undebt.it - Debt calculator options
• Alternative to Goodbudget - Envelope budgeting alternatives
• How to Pay Off Debt Faster: 7 Proven Strategies - Debt payoff methods explained