5 Best Undebt.it Alternatives With Mobile Apps (2025)

Undebt.it is one of the best debt calculators available—and at $12/year for premium, it's incredibly affordable. But if you want native mobile apps or income tracking, you might need an alternative.

This guide compares the best Undebt.it alternatives in 2025, focusing on what Undebt.it doesn't offer.

Why Undebt.it Is Great (And Why You Might Need More)

Let's be clear: Undebt.it is excellent for what it does:

• 8 payoff methods: More options than almost any competitor
• $12/year premium: The most affordable paid option
• No signup required: Use the calculator instantly
• YNAB integration: Import existing data
• Privately owned: Transparent, no hidden agenda

But users often want more:

• Native mobile apps: Undebt.it is web-only (mobile-responsive but not native)
• Income/expense tracking: No visibility into your complete financial picture
• One-time payment modeling: No way to see how windfalls affect your timeline
• Modern interface: The design is functional but dated

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

Quick Comparison: Undebt.it Alternatives

1. DebtGone — Best for Income-Aware Planning

DebtGone offers what Undebt.it lacks: native mobile apps and income tracking that shows where to find extra money for debt.

What makes it different: Undebt.it calculates how to allocate payments. DebtGone connects income, expenses, and debt to help you find more money to allocate.

Key Features

• Native iOS and Android apps: Fast, smooth experience
• Recurring income & expense tracking: See exactly how much surplus you have each month
• One-time payment modeling: See how tax refunds, bonuses, or windfalls impact your debt-free date
• Scenario planning: Test "what if I paid $200 more?" before committing
• Multi-currency support: Handle international debt
• Reserve capital: Plan emergency fund alongside payoff

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

• Native mobile apps (not just responsive web)
• Income tracking reveals extra payment money
• Model one-time payments like tax refunds
• Scenario planning for decision-making
• Multi-currency support

Cons

• Fewer payoff methods than Undebt.it's 8
• Newer app with smaller community
• No bank sync (manual updates with reminders)
• More expensive than Undebt.it

Best for: Users who want mobile apps and income-based optimization.

2. Debt Payoff Planner — Best Simple Mobile App

Debt Payoff Planner is the most popular dedicated debt app on mobile app stores, with millions of downloads.

Key Features

• Native mobile apps: Highly rated on iOS and Android
• Multiple payoff methods: Snowball, avalanche, custom
• Simple interface: Easy to understand
• Widget support: See progress on home screen

Pricing

• Free: Basic features with ads
• Pro: Remove ads, additional features

Pros

• Established app with years of positive reviews
• Very simple to use
• Native mobile experience
• Works offline

Cons

• No bank sync (manual entry only)
• No income or expense tracking
• Limited scenario planning
• Single currency focus

Best for: Users who want a simple, dedicated mobile debt tracker.

3. YNAB — Best for Complete Financial Control

YNAB (You Need A Budget) offers comprehensive budgeting with debt payoff as part of the system.

Key Features

• Native apps: iOS, Android, and web
• Automatic bank sync: Transactions import automatically
• Loan payoff simulator: Plan extra payments
• Educational content: Courses and community support

Pricing

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

Pros

• Native apps on all platforms
• Bank sync included
• Comprehensive financial management
• Strong community and education

Cons

• Most expensive option ($109 vs Undebt.it's $12)
• Steep learning curve
• Debt payoff is secondary to budgeting
• Overkill if you only need debt tracking

Best for: Users who want complete budgeting, not just debt tracking.

4. EveryDollar — Best for Dave Ramsey Followers

EveryDollar is Dave Ramsey's budgeting app, built around his debt snowball philosophy.

Key Features

• Native mobile apps: iOS and Android
• Debt snowball focus: Built around baby steps
• Zero-based budgeting: Simpler than YNAB
• Paycheck planning: Budget by pay period

Pricing

• Free: Manual transaction entry
• Premium ($79.99/year): Bank sync, more features

Pros

• Native mobile apps
• Simple interface
• Strong debt snowball integration
• Cheaper than YNAB

Cons

• Bank sync requires premium
• Only supports snowball (not avalanche)
• Tied to Ramsey ecosystem
• Less flexible than other options

Best for: Dave Ramsey followers who want his methodology in app form.

5. PocketGuard — Best for Spending Control

PocketGuard focuses on showing how much you have available to spend—and can direct savings to debt.

Key Features

• "In My Pocket": Shows spendable money after bills
• Automatic categorization: AI-sorted transactions
• Debt payoff planning: Built-in debt tracker
• Bill negotiation: Helps lower recurring bills

Pricing

• Free: Basic features
• Plus ($7.99/month): Advanced features

Pros

• Native mobile apps
• Automatic bank sync
• Focus on spendable money
• Bill negotiation feature

Cons

• $96/year for premium (more expensive)
• Debt payoff is secondary feature
• Less debt-specific than alternatives
• Subscription fatigue at monthly pricing

Best for: Users who need help controlling daily spending while paying debt.

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What Undebt.it Does Better Than Alternatives

Let's be fair about Undebt.it's strengths:

If price and payoff method variety are your priorities, Undebt.it remains the best choice.

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Feature Comparison: Undebt.it vs Alternatives

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How to Choose the Right Alternative

Do you need native mobile apps?

If checking your debt progress on your phone matters, skip Undebt.it and choose DebtGone, Debt Payoff Planner, or YNAB.

Do you want automatic bank sync?

• Yes → YNAB, PocketGuard
• No, manual is fine → DebtGone, Debt Payoff Planner, EveryDollar (free)

What's your budget?

• Want cheapest option → Undebt.it ($12/year)
• Under $80/year → DebtGone ($73/year), EveryDollar ($79.99/year)
• Any budget → YNAB ($109/year)
• One-time payment → DebtGone ($120 lifetime)

Do you need income tracking?

• Yes → DebtGone, YNAB
• No, just debt → Debt Payoff Planner, Undebt.it

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Why Mobile Apps Matter for Debt Payoff

Research shows that people who check their debt progress regularly pay off debt faster. Here's why native apps help:

• Quick access: Two taps vs opening browser and navigating
• Push notifications: Payment reminders to update your balances
• Better UX: Native apps are faster and smoother

Undebt.it's mobile-responsive site works, but it's not the same experience as a dedicated app.

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Frequently Asked Questions

Is Undebt.it really only $12/year?

Yes, Undebt.it Plus costs $12/year—the cheapest premium debt app available. The free version is also very capable.

What are Undebt.it's 8 payoff methods?

Avalanche, snowball, snowball (by balance), avalanche (by balance), highest balance first, lowest balance first, custom order, and debt-to-income ratio.

Can I export data from Undebt.it to another app?

You can export your data, but most apps don't have direct import. Plan to manually set up accounts (usually takes 10-15 minutes).

Which alternative has the best mobile app?

Debt Payoff Planner has the most established mobile app with millions of downloads. DebtGone offers native apps with more features like income tracking and scenario planning.

Is there a free alternative with mobile apps?

Debt Payoff Planner offers a free tier with ads. DebtGone offers a 34-day free trial with full features, then requires a subscription.

Do I need bank sync?

No. Many people find manual entry actually helps them stay more aware of their debt. Apps like DebtGone send reminders to update your balances.

What's better: web app or mobile app?

For quick daily check-ins, mobile apps win. For detailed planning sessions, web apps offer more screen space. DebtGone offers both iOS/Android apps and web access.

Can I use Undebt.it and another app together?

Yes. Some users use Undebt.it for strategy calculation and a mobile app for daily tracking. This adds complexity but works.

Will switching apps lose my progress?

No. Your debt balances don't change based on which app you use. Set up your accounts in the new app and continue.

Which app has the best customer support?

YNAB has the strongest community and support resources. Undebt.it is known for responsive personal support from the developer.

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The Bottom Line

Undebt.it is an excellent debt calculator at an unbeatable price. But if you want native mobile apps or income tracking, you need an alternative.

Choose DebtGone if you want mobile apps + income tracking + one-time payment modeling at $73/year (or $120 lifetime).

Choose Debt Payoff Planner if you want a simple, dedicated mobile debt tracker.

Choose YNAB if you want complete budgeting with debt features.

Choose EveryDollar if you follow Dave Ramsey's methodology.

Choose PocketGuard if you need help controlling daily spending.

Stick with Undebt.it if price is paramount and you're okay with web-only access.

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