Debt Payoff Planner: Tracker
Download on the App Store

Undebt.it alternative for iPhone with no account

Updated by Debt Payoff Planner: Tracker

Debt Payoff Planner: Tracker is an iPhone alternative to Undebt.it that plans the debt snowball or avalanche with no account and no bank link. It is free for up to 3 debts. Premium costs $4.99 a month or $29.99 a year. Undebt.it itself has no App Store app.

Undebt.it on the App Store
Not there. It installs from the browser as a web app.
No account and works offline
Debt Payoff Planner: Tracker
Free with no debt limit
Undebt.it
More payoff methods
Undebt.it, with 8

This page is published by the developer of Debt Payoff Planner: Tracker. We checked the facts on September 26, 2026.

Undebt.it and Debt Payoff Planner: Tracker compared

Undebt.itDebt Payoff Planner: Tracker
PlatformWeb app in any browser. It installs on iPhone and Android from the browser, not from the App Store or Google Play.iPhone app on the App Store. It needs iOS 26 or later.
AccountThe calculators need no account. The planner and tracker need a login.No account.
Bank syncOptional with Undebt.it+, through SimpleFIN. You pay SimpleFIN separately.None. The app never connects to your bank.
PriceFree. Undebt.it+ costs $10 a year, paid once a year with no auto-renewal. New accounts can try Undebt.it+ free for 30 days.Free for up to 3 debts. Premium costs $4.99 a month or $29.99 a year. The 7-day free trial is on the yearly plan only.
Debt limitNone.3 debts free. No limit with Premium.
Payoff methods8, including snowball, avalanche and your own custom plan.Snowball and avalanche.
AdsThe free planner shows a small number of display ads. Undebt.it+ removes them.The App Store page lists no ads.
OfflineNeeds an internet connection, its blog says.Works offline.
Where your debts are storedNot stated.On your iPhone and in your private iCloud. The developer has no server.
App Store privacy labelNone, because it is not on the App Store.Purchases are linked to you. Identifiers and Usage Data are not.

Undebt.it facts come from its mobile app FAQ, Undebt.it+ page, ads FAQ and blog. “Not stated” means we found no source. It does not mean no.

When Undebt.it fits better

  • You also plan on a computer or an Android phone.
  • You want more than snowball and avalanche, such as Debt Hybrid, Cash Flow Index or your own order.
  • You want to track many debts for free.
  • You want one payment a year with no auto-renewal.
  • You want optional bank sync.

When the iPhone app fits better

  • You want no account and no login.
  • You want an app that never connects to your bank.
  • You want to log payments offline.
  • You want an app from the App Store, in one of 15 languages.
  • You have up to 3 debts and want it free.

To try the plan first, use the free debt payoff calculator. It runs in your browser with no account. Other iPhone apps are in our comparison of debt payoff apps.

Questions

All questions
Is there an Undebt.it app for iPhone?

Not on the App Store. Undebt.it is a web app that you install on iPhone from the browser. Its FAQ says any Undebt app you see on the App Store is not theirs. The web app needs an internet connection.

What is a good Undebt.it alternative for iPhone?

Debt Payoff Planner: Tracker is an App Store app for the debt snowball and avalanche. It needs no account, never connects to your bank and works offline. It is free for up to 3 debts. Premium costs $4.99 a month or $29.99 a year.

Is Undebt.it free?

Yes. Undebt.it is free with no debt limit. The free planner shows a small number of display ads. Undebt.it+ costs $10 a year, paid once a year with no auto-renewal, and removes the ads.

Does Undebt.it connect to my bank?

Only if you choose to. Undebt.it+ members can sync with their bank through SimpleFIN, which they pay for separately. Debt Payoff Planner: Tracker has no bank connection.

Which one has more payoff methods?

Undebt.it has 8, including snowball, avalanche, Debt Hybrid, Cash Flow Index and your own custom plan. Debt Payoff Planner: Tracker has snowball and avalanche.

How do I move my debts from Undebt.it to the app?

Type each debt into the app with its balance, interest rate and minimum payment. The app has no bank link, so it never pulls debts in by itself.

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