The Free Tool That
Gets You Out of Debt

What is Undebt.it?

Undebt.it is a free, mobile device friendly debt snowball calculator that generates an easy-to-follow payment plan - so you can finally eliminate your debt and do the things you really want to do; like travel or retire early. For over 10 years, Undebt.it has helped hundreds of thousands of people all over the world pay down billions of dollars in debt. You can do it too!

Undebt.it has 8 different accelerated debt payoff methods to choose from (including your own custom plan). The two most popular plans are paying down the debts with the lowest balance first (aka the "Debt Snowball") and paying down accounts with the highest interest rate first (aka the "Debt Avalanche"). Choose which one works best for you and easily switch between them at any time. Just plug in your budget & basic debt account information and Undebt.it will take care of the rest.

Here's What You Can Do With Undebt.it Right Now...

All the Basics

POWERFUL DEBT MANAGEMENT

Undebt.it makes it easy to see when each of your debts will be paid off - and proves how effective the debt snowball payment method really is. You can even add additional one-off payments (aka "Debt Snowflakes") to your snowball to speed up the process! As you record your payments, your debt balances, due dates and payoff dates will automatically be adjusted.

These Are The Debt Payoff Plans You Can Use With Undebt.it

I just have to say THANK YOU for this amazing site. It is beautiful and very intuitive to use, and after my bank's app it is probably the website I use most in our debt-free journey. Great, incredible, amazing work. Thank you!

I just want to tell you this is the best money management site ever, I have done all of them YNAB, mvelopes, quicken, Dave Ramsey. Yours is the easiest to understand, and work with. GREAT JOB!

LOVE the new format......thanks for helping others to be debt free!!!

I really enjoy seeing a succinct history of my bills and my debt history since it makes it easy to keep track of what has been paid as well as a great motivator on how far I have come

Try the Free Debt Snowball Calculator (no account or sign up required)

Just plug in your budget & basic debt info and you'll get a complete payment plan and a debt free date. There's no account required to use the calculator, but you'll have the option to create one after your plan is calculated if you like.

Are you looking for advanced features too?

If you really want to get in control of your debt, you've come to the right place. Undebt.it+ has tons of advanced debt management features that you'll only find here on this site. You can track your recurring non-debt accounts (like cell phone bills) with the bill management module and even take the 52-week savings challenge. Destroy your debt with the Debt Blaster payment enhancement plan. Always know where you stand with your payment plan by using Google/iCloud/Outlook calendar syncing. Undebt.it+ can even sync your account info with the popular budgeting app You Need a Budget. The images below are a few examples of the exclusive Payoff Snapshots that update automatically with your current stats.