Undebt.it vs. Debt Payoff Planner: Web Tool vs. Mobile App

Undebt.it and Debt Payoff Planner are two of the most popular dedicated debt payoff tools — and they take completely different approaches. Undebt.it is a web-based tool you use in your browser. Debt Payoff Planner is a native mobile app. Both are well-made, and the right choice mostly comes down to how you prefer to track your debt.

Quick Comparison

	Undebt.it	Debt Payoff Planner
Platform	Web (any browser)	iOS and Android
Price	Free / $12/year	Free / $2/month ($24/year)
Strategies	8	3 (snowball, avalanche, custom)
Bank sync	No	No
What-if scenarios	Yes (paid)	Yes (paid)
Notifications	Email reminders (paid)	Push notifications (paid)
Data storage	Cloud (account required)	Device + cloud sync
Mobile experience	Mobile browser (responsive)	Native app

Strategy Support

Undebt.it is the clear winner here. It supports eight payoff methods:

1. Debt avalanche (highest interest first)
2. Debt snowball (lowest balance first)
3. Highest balance first
4. Lowest balance first
5. Highest monthly payment first
6. Lowest monthly payment first
7. Custom ordering
8. Debt-to-interest ratio (a hybrid approach)

Debt Payoff Planner offers three: snowball, avalanche, and custom ordering. For most people, snowball or avalanche is the right call — but if you want to explore other approaches, Undebt.it gives you more room to experiment.

The Web vs. App Experience

This is the real deciding factor for most people.

Undebt.it works in any browser on any device. You log in, see your dashboard, and manage your plan. The interface is functional and information-dense — it shows a lot of data on one screen. On a desktop or laptop, this works great. On a phone, the responsive layout works but feels more cramped than a native app.

Debt Payoff Planner is designed for your phone. The interface is clean, touch-friendly, and optimized for quick updates. Pull it out, log a payment, check your progress — it takes seconds. Push notifications remind you to update and celebrate milestones.

If you mainly manage money at a desk, Undebt.it’s web interface may feel more natural. If you want to quickly update things on the go, Debt Payoff Planner’s native app has the edge.

Pricing Breakdown

Both are affordable, but structured differently.

Undebt.it gives you a generous free tier that includes all eight strategies, unlimited debts, and basic payoff projections. The paid tier ($12/year) adds advanced charts, what-if scenarios, payment calendar, and email reminders. That’s just $1/month.

Debt Payoff Planner also has a free tier that covers the basics — add debts, choose snowball or avalanche, see your schedule. The Pro tier ($2/month) unlocks what-if scenarios, more customization, and removes ads.

Over a year, Undebt.it’s paid tier costs half as much as Debt Payoff Planner Pro. But Debt Payoff Planner’s free tier removes most of the urgency to upgrade, since the core experience is solid without paying.

Detailed Projections

Both tools generate month-by-month payoff schedules, which is what you really need to see — when each debt will be paid off, how much interest you’ll pay, and how long the whole plan takes.

Undebt.it shows slightly more detail in its projections, including cumulative interest charts and a payment calendar that breaks down exactly where every dollar goes each month. The data density is higher.

Debt Payoff Planner keeps projections simpler and more visual. The timeline view is clean and easy to scan. You get the essential information without being overwhelmed.

Who Builds What Plan Better?

If you’re the kind of person who wants to compare six different strategies and see which one saves the most money, Undebt.it is built for that. It’s a planning powerhouse.

If you know you’re doing snowball or avalanche and want a tool that makes daily tracking easy and pleasant, Debt Payoff Planner is better at that.

Think of it this way: Undebt.it is a better planning tool. Debt Payoff Planner is a better tracking tool. Ideally, you want both — but if you have to pick one, ask yourself which matters more to you right now.

The Hybrid Approach

Here’s something worth considering: you can use both. Build your plan in Undebt.it (free tier), compare strategies, and figure out your approach. Then enter that plan into Debt Payoff Planner on your phone for day-to-day tracking with push notifications.

This gives you the best of both worlds — Undebt.it’s planning depth and Debt Payoff Planner’s mobile tracking experience. You’d be using free tiers for both, so it costs nothing.

Other Considerations

If you’re offline a lot, Debt Payoff Planner works better since it stores data on your device. Undebt.it requires an internet connection.

If you use multiple devices, Undebt.it is accessible from any browser anywhere. Debt Payoff Planner syncs across your phone and tablet but doesn’t have a web version.

If you’re privacy-conscious, Undebt.it requires an account with your email. Debt Payoff Planner stores data locally on your device by default.

The Verdict

Choose Undebt.it if you want the most strategies, the cheapest paid tier, and prefer working in a browser. It’s the better tool for planning and analysis.

Choose Debt Payoff Planner if you want a polished mobile experience with push notifications and a clean interface for daily tracking. It’s the better tool for staying on track day to day.

Both are quality tools that have helped thousands of people get out of debt. The right one is the one that fits how you actually want to use it.