See what you owe. Watch it go down.
A calm iPhone app for every debt you're paying off. Cards, loans, overdrafts, buy now pay later, even money owed to family.
What it does
What's due, at the top
Anything due today or late sits first, with a Pay button.
One-tap payments
Pay the minimum in one tap. Undo if you didn't mean it.
Missed stays missed
Unpaid months stay overdue. Skips are on purpose, with a note.
Clear this next
Snowball or avalanche picks the one debt to focus on.
Statement day, sorted
Copy in the new minimum and interest. That's it.
Payment holidays
Pause for a month, three, or until you're ready.
Watch each one shrink
A balance line per account, and a green glow when you're down.
Sideways spreadsheet
Turn your phone for every account in rows and columns.
Why it works
- Writing it down makes it real. Typing in each payment keeps you close to the numbers. You see every pound go out and every charge come in.
- Direction beats size. A big total can feel hopeless. "£465 down this month" is something you can build on.
- One thing at a time. Pick a payoff order and you only have to think about the next debt, not all of them at once.
- It keeps score. A running total of what you've repaid sits next to what's gone on interest and fees.
Private by design
On your phone only
Nothing is sent anywhere.
No account
Nothing to sign up for.
No bank login
You type in every figure.
No ads and no tracking in the app. Privacy policy
I built Undebtify for myself while I was working my way out of debt. Spreadsheets became one more thing I didn't want to open, and other apps wanted my bank login. So I made what I needed.
Struggling right now?
Free, confidential debt help is available across the UK. See where to get help.