Undebt.it

What Is Undebt.it?

Undebt.it is one of the longest-running free debt payoff tools on the web. It’s a browser-based calculator and tracker that lets you enter your debts, pick a payoff strategy, and see exactly when you’ll be debt-free — complete with a month-by-month schedule.

Unlike mobile apps that require a download, Undebt.it works in any browser. You can start using it immediately without creating an account, though signing up lets you save your plan and access it from any device.

Who Is Undebt.it Best For?

Budget-conscious users. If you don’t want to pay for a debt tracking app, Undebt.it’s free tier covers the essentials. You can track unlimited debts, compare strategies, and get a detailed payoff schedule without spending a dime.

Desktop-first users. If you prefer managing finances on a computer rather than your phone, Undebt.it’s web interface is a natural fit. The tables and schedules are easy to read on a larger screen.

People who want simplicity. Undebt.it doesn’t try to be a full budgeting app. It does one thing — debt payoff planning — and does it well.

Pricing

The core features are free with no time limit. A premium tier adds advanced charts, what-if scenarios, and additional customization options. The free tier is genuinely useful on its own — the premium upgrade is nice to have, not necessary.

Our Take

Undebt.it is a solid choice if you want a free, no-fuss debt payoff calculator. The interface is functional rather than flashy, and it hasn’t received the design refresh that some competitors have. But the math is reliable, the strategy options are good, and you can’t beat the price.

If you want a modern mobile experience with features like partner sync or BNPL tracking, you’ll want to look at native apps. But for straightforward debt payoff planning at zero cost, Undebt.it delivers.