Undebt.it alternative: Debtless vs Undebt.it.
Undebt.it is a free, web-based debt payoff planner with more payoff methods than almost anyone. Debtless: AI Debt & Budget is a paid iPhone app with an AI coach and a budget. Here is a fair comparison, including when Undebt.it is the better pick.
Side by side.
| Debtless: AI Debt & Budget | Undebt.it | |
|---|---|---|
| Price (USD) | $9.99/month or $59.99/year | Free; Undebt.it+ is $10/year |
| Free trial | 7 days on the yearly plan (eligible new subscribers) | 30 days of Undebt.it+, no card |
| Free plan | No | Yes, with unlimited debts |
| Platforms | iPhone app (iOS 17+) | Web app, installable on iPhone and Android home screens |
| Payoff orders | Snowball and avalanche | Eight, including snowball, avalanche, cash flow index and custom |
| Pick a debt-free date | Yes, works out the monthly payment for a target date | Shows a projected debt-free date and compares methods |
| AI | Debby, a chat coach that answers with your numbers | Undebt.AI plan generator on Undebt.it+ (generates a plan, not a chat coach) |
| Bank connection | Not required; import a statement instead | Optional on Undebt.it+, via SimpleFIN |
| Budgeting | Yes: income, bills, spending, left to spend | Focused on debt; links with YNAB on Undebt.it+ |
| Reminders | Payment reminders | Bill tracking and SMS reminders on Undebt.it+ |
Undebt.it facts from undebt.it (Plus info, features and FAQ pages), checked 9 October 2026. Prices in USD and subject to change. We make Debtless, so try both and decide for yourself.
Where Undebt.it wins.
Undebt.it is one of the most generous tools in this space, and it is the right choice for a lot of people. It is the better pick if you:
- Want to pay nothing, or $10 a year for the extras.
- Use Android, a computer, or several devices.
- Want a payoff order other than snowball or avalanche, such as cash flow index or your own custom order.
- Want optional bank syncing (SimpleFIN on Undebt.it+) or a link to your YNAB budget.
- Like detailed tables and exports, such as export to Excel.
Where Debtless fits.
Debtless is the better fit if you:
- Want to talk your plan through. Debby answers questions like "which card first?" or "what if I add $100 a month?" from your own balances and rates.
- Want your debt plan and your monthly budget in one iPhone app, including a statement import that builds the budget from what you actually spend.
- Want to pick a target date and have the app work out the monthly payment.
- Prefer a native iPhone app with reminders and an optional Face ID lock.
The trade-off is price and reach: Debtless is $9.99 a month or $59.99 a year in the US (details on the pricing page), and it is iPhone only, in the US and Canada.
Want to compare the math first? Our free debt avalanche calculator and debt snowball calculator run in your browser with no sign-up.
Keep going.
The same plan, kept for you.
Debtless does this math from the payments you log and moves the date every month. 7-day free trial on iPhone.
One card, one number, one day you hit zero.
Pick the order, see the date move, switch any time.
Answers with your real balances, rates and budget.
Questions, answered.
Your debt‑free date is closer than you think.
Add your debts, pick a strategy, and watch the date move.
Free download · 7-day free trial