Undebt.it vs Debt Payoff Planner vs Debtless.
Undebt.it and Debt Payoff Planner are the two debt payoff apps people compare most. Both have free plans and both do snowball and avalanche. Debtless: AI Debt & Budget is a paid iPhone app that adds an AI debt coach and a budget. Here are pricing, features, platforms, bank linking and AI side by side, checked against each app's own site on 9 October 2026.
Side by side.
| Feature | Undebt.it | Debt Payoff Planner | Debtless (ours) |
|---|---|---|---|
| Price (USD) | Free. Undebt.it+ is $10/year | Free plan. Pro from $2/month on its website; App Store lists $6.99/month, $13.99/3 months, $27.99/year | Free download; Pro required after onboarding: $9.99/month or $59.99/year |
| Free trial | 30 days of Undebt.it+, no card | Free plan instead of a trial | 7 days on the annual plan for eligible new subscribers |
| Free plan | Yes, unlimited debts | Yes | No |
| Platforms | Web app, installable on iPhone and Android home screens | iPhone (iOS 15+), Android, web | iPhone only (iOS 17+), US and Canada |
| Payoff methods | Eight, including snowball, avalanche, highest balance, cash flow index, debt-to-limit and custom | Snowball, avalanche, snowflake (one-time extra payments) and custom | Snowball and avalanche, plus pick-a-date planning |
| Bank linking | Optional on Undebt.it+ via SimpleFIN or a YNAB link | Not described on its site or App Store listing | Not required; import a bank statement instead |
| AI | Undebt.AI plan generator on Undebt.it+ (writes a plan, not a chat coach) | None described | Debby, an AI coach you chat with about your own balances, rates and budget |
| Budgeting | Debt-focused; links to YNAB on Undebt.it+ | Debt-focused | Yes: income, bills, spending and what is left to spend |
| Best for | The most payoff options for free or $10 a year, on any device | A simple, long-standing planner on every platform with a free plan | Talking your plan through with an AI coach, with your budget in the same iPhone app |
Sources, checked 9 October 2026: undebt.it (pricing and features, Plus info and FAQ pages); debtpayoffplanner.com (home and overview pages) and the Debt Payoff Planner & Tracker App Store listing; the Debtless App Store listing and subscription screen. Prices in USD and subject to change. We make Debtless, so read our column with that in mind and try the free plans yourself.
Pick Undebt.it if…
- You want to pay nothing, or $10 a year for bank syncing and the extras.
- You use a computer, Android, or several devices, and are happy with a web app.
- You want a payoff order beyond snowball and avalanche, such as cash flow index, debt-to-limit or your own custom order.
- You want detailed tables, Excel export, or a link to your YNAB budget.
More detail: Debtless vs Undebt.it.
Pick Debt Payoff Planner if…
- You want a native app on iPhone or Android, with a web version too.
- You want a free plan that builds your plan and shows your debt-free date.
- You like snowflaking (logging one-off extra payments) or a custom order.
- You want a simple, focused planner that has been around for years.
Pick Debtless if…
- You want to talk your plan through. Debby, the AI debt coach, answers "which card first?" or "what if I add $100 a month?" from your own balances and rates.
- You want your debt plan and your monthly budget in one iPhone app, with a bank statement import instead of a bank login.
- You want to pick a target date and have the app work out the monthly payment.
The trade-off is price and reach: Debtless is $9.99 a month or $59.99 a year in the US ($12.99 or $79.99 CAD in Canada), there is no free plan, and it is iPhone only. The annual plan has a 7-day free trial for eligible new subscribers. Details on the pricing page.
Want to compare the math first? The free debt snowball calculator and snowball vs avalanche calculator run in your browser with no sign-up. For more apps, including YNAB and EveryDollar, see the best debt payoff apps.
Keep going.
Debtless and Undebt.it, one on one.
Debtless and YNAB, and when YNAB wins.
An honest comparison of the apps people use to get out of debt.
Run both orders on your debts and see the difference in dollars and months.
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