Compare
PayoffPal vs Undebt.it
Both are free debt payoff planners. The difference is depth versus simplicity.
| Feature | PayoffPal | Undebt.it |
|---|---|---|
| Price | Free | Free tier, plus Undebt.it+ paid add-on |
| Payoff strategies | Snowball, avalanche, balanced (weighted hybrid) | Snowball, avalanche, hybrid, and several more (8 total) |
| Bank connection | Not required | Not required |
| Data export | Not yet available | Export to Excel (free tier) |
| Visual feedback | Block tower — debts stack up and knock down as you pay them off | Charts and payoff snapshots (some gated to paid tier) |
| Extras | None — focused on the payoff plan itself | Bill tracking, savings challenge, calendar sync, YNAB sync, AI planning (paid tier) |
| Best for | People who want one clear plan and nothing else to configure | People who want to try multiple payoff formulas and don't mind more setup |
They're the closest thing to direct competitors
Unlike YNAB or a spreadsheet, Undebt.it is built for the same job as PayoffPal: rank your debts and show you a payoff plan. The real difference is how much control you want. Undebt.it gives you around eight payoff formulas to choose from, Excel export, and a paid tier with bill tracking, a savings challenge, and calendar syncing. PayoffPal gives you three strategies — snowball, avalanche, and a balanced weighted hybrid — wrapped in a simpler, more visual interface, entirely free.
When Undebt.it is the better choice
If you want to compare more than two payoff methods (hybrid, cash-flow-index, highest-interest-paid, or a fully custom order), or you want your numbers exportable to Excel, or you're interested in the bill-tracking and savings-challenge extras in Undebt.it+, it's the more feature-complete option today.
When PayoffPal is the better choice
If three well-established strategies are enough and you'd rather spend five minutes than sort through eight formulas, PayoffPal gets you to a plan faster. The block-tower visualization is also built specifically to keep you motivated after the initial setup — not just to show the numbers.
What's the difference between PayoffPal and Undebt.it?
Undebt.it offers more payoff strategies out of the box — snowball, avalanche, hybrid, and several others — plus optional paid add-ons like bill tracking and a savings challenge. PayoffPal offers three strategies (snowball, avalanche, and a balanced weighted hybrid) in a simpler, more visual interface, with everything free.
Is Undebt.it free?
Undebt.it has a free tier that covers unlimited debts, strategy selection, and payment tracking. Undebt.it+ is a paid add-on with extra features like bill management and calendar syncing.
Does either tool connect to my bank account?
No. Both PayoffPal and Undebt.it work from debts you enter manually — neither requires a bank connection to generate a payoff plan.
Which has more payoff strategies?
Undebt.it, by a wide margin — it supports around eight approaches including hybrid and custom plans. PayoffPal offers three (snowball, avalanche, and a balanced hybrid) rather than a menu of eight, to keep the choice simple.
Can I export my data from PayoffPal like I can from Undebt.it?
Not yet. Undebt.it's free tier includes Excel export today. If you need to take your numbers into a spreadsheet, that's currently a reason to lean toward Undebt.it.
Try the simpler plan
Free, three strategies, about five minutes.
Or see all debt payoff apps compared.