DelDebtDelDebt and Undebt.it are both debt payoff planners: you enter your debts, pick a payoff order and get a debt-free date. Undebt.it has more payoff methods, bank sync, YNAB integration, SMS reminders and bill tracking, and it has been around for years. DelDebt needs no account, keeps your data on your device, has an iOS app and can fill in a loan from a photo of your bank's schedule. Full disclosure: we make DelDebt. Everything below about Undebt.it comes from its public website as of September 23, 2026.
The short version
- Choose Undebt.it if you want the widest choice of payoff methods, automatic balance updates from your bank, a budget-app connection or text-message reminders.
- Choose DelDebt if you'd rather not create an account or connect a bank, want your data to stay on your device, or want calendar reminders that work in any calendar app.
Both let you try the core idea for free, so the easiest way to decide is to enter the same debts in each and see which one you keep opening.
Side-by-side comparison
| Undebt.it | DelDebt | |
|---|---|---|
| Where it runs | Web browser; mobile app for Apple and Android in the paid tier | Web and iOS app |
| Account | Free calculator without one; full features with an account | Not needed; sign in only to sync devices |
| Where your data lives | In your Undebt.it account (full planner) | On your device, unless you sign in to sync |
| Payoff methods | 8, including snowball, avalanche and Debt Hybrid | 5: snowball, avalanche, blizzard, cash flow, custom |
| Bank connection | Yes, via SimpleFIN (paid) | No |
| Budget app integration | YNAB sync (paid) | No |
| Reminders | SMS and push (paid) | In-app reminders |
| Calendar | Payment calendar with Google, Apple and Outlook (paid) | .ics calendar file with reminders before due dates |
| Export | Excel (paid) | .ics calendar |
| Bill tracking | Yes (paid) | No |
| Fill in a loan from a bank schedule | Not listed | Screenshot, photo or PDF |
| Check interest against your statement | Not listed | Yes, calibration to your lender's numbers |
"Paid" means Undebt.it+, which the site lists at $10 a year with a 30-day free trial.
Where Undebt.it is stronger
We'd rather say this plainly than have you find out later.
- More payoff methods. Undebt.it lists eight: Debt Snowball, Debt Avalanche, Debt Hybrid (a debt-to-interest ratio), Cash Flow Index, Highest Monthly Payment, Highest Credit Utilization, Highest Monthly Interest Paid and Custom. The paid tier compares them. DelDebt has five. If you want to explore every angle, Undebt.it gives you more to work with. We explain the ratio method in what is the hybrid debt payoff method.
- Bank sync. Undebt.it+ can connect your bank through SimpleFIN, so balances can update without typing. DelDebt has no bank connection: you log payments yourself.
- YNAB integration. If you budget in YNAB, Undebt.it+ syncs with it. DelDebt doesn't connect to budgeting apps.
- SMS reminders. Undebt.it+ sends text and push reminders. DelDebt reminds you in the app and through your calendar, not by text.
- Excel export. The paid tier exports to Excel, which is handy if you like to analyze your plan in a spreadsheet.
- Bill tracking and more. Undebt.it+ also tracks bills, runs what-if scenarios, shows an amortization table for each account and sends monthly emails. DelDebt only handles debts; it doesn't track bills or build a budget.
- Track record. Undebt.it's copyright notice goes back to 2012. It's a mature product with a long history.
Where DelDebt is different
- No account needed. You can open DelDebt and start planning. Without signing in, your debts are stored on your device. Signing in is optional and only syncs your plan between devices.
- An iOS app. DelDebt is on the App Store, in addition to the web version.
- Calendar reminders anywhere. DelDebt exports your payment schedule as an .ics file, which works with most calendar apps and includes reminders before each due date.
- Upload your bank's schedule. Take a screenshot, photo or PDF of your loan's payment schedule and DelDebt fills in the fields. Useful for car loans and personal loans where the exact numbers matter.
- Check against your statement. Every planner estimates interest. DelDebt lets you compare its numbers with what your lender actually charged and calibrate the calculation, so the plan stays close to reality.
- Tracking built for staying on course. You log payments, see your progress and keep a streak of months without a missed payment. A real-life adjusted plan shows your timeline if you pay less extra in expensive months, such as vacations and the holidays. Our debt payoff tracker page shows how progress tracking works.
DelDebt's five methods cover the common cases. Its blizzard method pays the smallest debt first for a quick win, then switches to highest APR first. Its cash flow method pays the debt with the largest minimum payment first, similar in spirit to Undebt.it's Highest Monthly Payment. The custom order lets you reproduce other rules, such as a debt-to-interest ratio, by hand.
Who each one fits
| If you... | Better fit |
|---|---|
| Want to try many payoff methods and compare them | Undebt.it |
| Want balances pulled from your bank | Undebt.it |
| Budget in YNAB | Undebt.it |
| Want text-message reminders | Undebt.it |
| Also want to track regular bills | Undebt.it |
| Don't want to create an account | DelDebt |
| Prefer your data to stay on your device | DelDebt |
| Have loans with bank schedules you'd rather not retype | DelDebt |
| Want the plan's interest to match your statements | DelDebt |
There's no reason you can't use both: Undebt.it for exploring methods, DelDebt for day-to-day logging and reminders, or the other way around.
Try the free calculators first
If you just want to compare methods on your numbers before choosing a tool, the calculators on this site run in your browser with no account. The debt avalanche calculator and the debt snowball calculator both show your debt-free date, total interest, the order your debts get paid off and a comparison of four methods, with a month-by-month table you can download as CSV. Undebt.it also has a free calculator that works without an account.
For a wider look that includes mobile apps and spreadsheets, see our best debt payoff apps comparison. To try DelDebt itself, open the DelDebt planner and enter your debts; it takes about a minute.
FAQ
Is Undebt.it free?
Undebt.it has a free calculator that works without an account, and a free planner with an account. Its paid tier, Undebt.it+, is listed at $10 a year with a 30-day free trial and adds features like bank sync, SMS reminders and Excel export.
Does DelDebt connect to my bank?
No. DelDebt doesn't link to bank accounts; you log payments yourself. You can upload a screenshot, photo or PDF of a loan's payment schedule to fill in the details.
Which has more payoff methods?
Undebt.it, with eight methods including Debt Hybrid and Cash Flow Index. DelDebt has five: snowball, avalanche, blizzard, cash flow and a custom order.
Do I need an account to use DelDebt?
No. Without an account, your data stays on your device. Signing in is optional and syncs your plan between devices.
Is this comparison biased?
We make DelDebt, so keep that in mind. We've limited the Undebt.it side to features listed on its public website and included the areas where it does more than DelDebt.