# Changed: Automate Debt Payoff — Track Debt, Pay It Down Faster > Automated debt payoff planner and tracker for faster debt reduction. (iPhone/iPad app by Changed Inc..) - Source: https://appshunter.io/ios/app/changed-automate-debt-payoff/id1164559383 (this page in markdown: same URL + `.md`) - Developer: [Changed Inc.](https://appshunter.io/developer/1164559382) - Category: Finance, Productivity - Price: Free - Rating: 4.60/5 from 5,448 App Store ratings · 289 written reviews indexed - Age rating: 4+ - Requires: iOS 17.6 · 162 MB - Languages: American English - Released: 2017-01-10 - Data updated: 2026-08-28 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/changed-automate-debt-payoff/id1164559383/reviews.md ## What is Changed? Pay Off Debt Faster With Automatic Extra Payments Changed is a powerful debt payoff planner and debt tracker designed to help you reduce balances and become debt free faster. “If you have debt, you need this app.” - Mark Cuban, Changed Investor Turn spare change from everyday purchases into extra payments that accelerate your payoff plan and save on interest. AUTOMATE YOUR DEBT PAYOFF Changed makes it easy to make extra payments without changing your lifestyle. • Round Up Purchases - Automatically send spare change from everyday purchases toward your debt • Boost Payments - Add extra payments anytime to accelerate your payoff plan • Automated Transfers - Schedule recurring payments that fit your budget • Stay Consistent - Small extra payments can make a big impact over time Automation helps you stay on track and pay off debt faster. TRACK ALL YOUR DEBT IN ONE PLACE See all your balances in one place and monitor your progress as you work toward becoming debt free. Track and manage: • Credit card debt • Student loans • Auto loans • Medical debt • Personal loans • Mortgages • Tax debt • Other balances See everything in one place and stay focused on your goal of becoming debt free. PROVEN STRATEGIES TO PAY OFF DEBT Changed supports the most popular debt payoff strategies used by financial experts. Choose the approach that works best for you: • Debt Snowball - Pay off smaller balances first to build momentum • Debt Avalanche - Focus on high-interest debt to save more money • Extra Payments - Add additional payments anytime to reduce balances faster • Custom Plans - Build your own personalized payoff strategy A clear plan helps you stay motivated and consistent. SEE HOW MUCH INTEREST YOU CAN SAVE Use the built-in debt calculator to understand the impact of extra payments. • Estimate your payoff timeline • See how much interest you can reduce • Compare payoff strategies • Track progress toward becoming debt free Watching your balances shrink helps keep you motivated. THE CHANGED EFFECT Changed members are currently tracking over $6 billion in debt and have already saved $43 million in interest, with $383 million in potential savings identified across the community. Thousands of members use Changed to pay down debt faster, reduce interest, and build healthier financial habits. START YOUR DEBT-FREE JOURNEY Paying off debt doesn't have to feel overwhelming. Changed makes it simple to create a plan, automate extra payments, and track your progress toward financial freedom. Download Changed today and start paying off debt faster. ## Key features - Automated extra payments - Round up purchases - Track all debt types - Debt Snowball strategy - Debt Avalanche strategy - Interest savings calculator ## What do users think of Changed? Overall sentiment: mixed **Pros** - 🚀 Helpful in paying off loans - 💡 Automatic debt payments - 👍 Easy to use - 🤑 Saves money without noticing - 🎉 Motivating to see progress **Cons** - 🐛 Connectivity issues with accounts - 🕰️ Slow payment processing - 💸 Subscription fees - 🤖 Poor customer support - 🔒 Difficulty accessing/withdrawing funds **Commonly reported bugs** - App freezing or crashing - Incorrect loan balance tracking - Payments not showing up on loan accounts - Withdrawal/refund issues - Syncing problems with bank/loan accounts **Most requested features** - More customization options - Faster payment processing - Ability to manage multiple loans - Mobile app improvements - Better communication with users ## Recent user reviews (10 of 289) All indexed reviews: https://appshunter.io/ios/app/changed-automate-debt-payoff/id1164559383/reviews.md ### 1/5 — Waste of money!! Will not track purchases for roundups *2026-08-18, version 5.53* I have had this app for a short period of time and been wondering why I even paid. The app is not pulling transaction history from my Wells Fargo accounts. I have followed troubleshooting steps with no resolution. I have submitted help tickets with no response. At this point I am ready to get a refund. It sounds like a good idea but is not working. ### 1/5 — Thieves *2026-08-16, version 5.52* Downloaded the app and they charged me $85 without doing a damn thing. Called my bank and put stop payment and had to go through hell to get my money back. ### 5/5 — Great app *2026-08-15, version 5.52* Helped me pay off my loans from different lenders ### 1/5 — Not sending payments lack of support *2026-08-14, version 5.52* Even that my threshold was setup for 100 dollar, the app didn’t send any payments for two weeks. Support didn’t even check my account because their replied clearly that showed that they didn’t even take the time to review what I was referring to. Support takes days to reasons. At first I was excited to try this app, but definitely cancelling now. The lack of support and the app issues aren’t a good sign to keep paying a monthly subscription. ### 1/5 — Deceptive Fees and business practices *2026-08-13, version 5.52* I signed up for this app and nowhere did I select an annual subscription option. I linked my accounts and signed up to make an initial $20 deposit the next business day. I did some googling and saw how much the fees could be and decided to cancel my account. I was literally signed up on Changed for less than 15 minutes before I cancelled. I woke up the next day to a $132 charge to my bank account! Now waiting on customer support to tell me whether or not I can get a refund. Hopefully they oblige or I will be filing a dispute with my bank and contacting an attorney. Outrageous! ### 1/5 — Subscription Use Service *2026-08-12, version 5.52* The app may be free to download, but you have to pay a $9 monthly fee to use. Or at least my screen is requiring a subscription fee before I can access. If I had known that I would not have downloaded. Developers may as well do a pay to download if you need to pay to use. ### 2/5 — Not worth it *2026-08-11, version 5.52* It costs a minimum of $9 a month. As a single mom that only uses my card for gas and groceries that's more that I would even save in the month thus it would just put me in more debt. It's a no for me that's too much ### 1/5 — Thieves *2026-08-11, version 5.52* Signed up for the top tier and thought I’d give it a try. Was about $135 for the year. Two weeks in I canceled and they kept my money…. Stay away from this app ### 5/5 — Debt tracker *2026-08-10, version 5.52* It is pretty cool app to use ### 2/5 — Security *2026-08-08, version 5.52* I’ve yet to try it. Anyone else turned off with the idea of scanning your ID to the app? ## Frequently asked questions about Changed ### What does the Changed app do? This app is a debt payoff planner and tracker designed to help users reduce their balances and become debt-free faster. It automates extra payments from everyday purchases and allows users to track all their debts in one place. ### What are the key features of Changed? Key features include automating extra payments by rounding up purchases, boosting payments anytime, scheduling recurring payments, and tracking various debt types like credit cards, student loans, and mortgages. It also supports popular payoff strategies like Debt Snowball and Debt Avalanche, and includes a debt calculator to estimate savings. ### Is Changed free to use? The app is free to download and use, with in-app purchases available. This means core functionalities are accessible without cost, but certain advanced features or options might require a purchase. ### What types of debt can I track with Changed? You can track a wide range of debts including credit card debt, student loans, auto loans, medical debt, personal loans, mortgages, tax debt, and other balances. The app consolidates all your financial obligations into a single view for easier management. ### How does Changed help me save money on interest? By automating extra payments and allowing you to strategically pay down debt faster, the app helps reduce the total amount of interest you pay over time. The built-in debt calculator allows you to compare different payoff strategies and see the potential interest savings. ## Version history (last 5 releases) ### 5.53 — 2026-08-17 Hey Squirrel Squad! We're working our tails off to ensure you all have the best experience with Changed. Taking your feedback and making updates to the app is what we live for. Please always send feedback to support@changedapps.com and we'll take a look. In this update... - New in Debt Settings: check for any new or missed debt accounts and add them to your profile in seconds. - Smarter alerts to easily navigate bank connection issues. - We searched long and far...found some bugs...and kindly asked them to leave. ### 5.52 — 2026-08-04 Hey Squirrel Squad! We're working our tails off to ensure you all have the best experience with Changed. Taking your feedback and making updates to the app is what we live for. Please always send feedback to support@changedapps.com and we'll take a look. In this update... - We've made some tweaks to areas in the app to ensure app stability for our members! - We searched long and far...found some bugs...and kindly asked them to leave. ### 5.51 — 2026-07-27 Hey Squirrel Squad! We're working our tails off to ensure you all have the best experience with Changed. Taking your feedback and making updates to the app is what we live for. Please always send feedback to support@changedapps.com and we'll take a look. In this update... - Checkout the new debt settings for a cleaner, smarter way to see everything about your debts at a glance. - We've made some tweaks to areas in the app to ensure app stability for our members! - We searched long and far...found some bugs...and kindly asked them to leave. ### 5.50 — 2026-07-03 Hey Squirrel Squad! We're working our tails off to ensure you all have the best experience with Changed. Taking your feedback and making updates to the app is what we live for. Please always send feedback to support@changedapps.com and we'll take a look. In this update... - We've made some tweaks to areas in the app to ensure app stability for our members! - We searched long and far...found some bugs...and kindly asked them to leave. ### 5.49 — 2026-07-01 Hey Squirrel Squad! We're working our tails off to ensure you all have the best experience with Changed. Taking your feedback and making updates to the app is what we live for. Please always send feedback to support@changedapps.com and we'll take a look. In this update... - Introducing lite mode - a focused experience built for users just getting started on their debt-free journey. - Clearer cash out limits so you always know what's available - Under-the-hood improvements to keep things running smooth ## Apps similar to Changed | App | Rating | Price | Category | | --- | --- | --- | --- | | [Debt Payoff Planner & Tracker](https://appshunter.io/ios/app/debt-payoff-planner-and-tracker/id1009323715) | 4.7 (7,221) | Free | Finance | | [Loan Calculator - Debt Planner](https://appshunter.io/ios/app/loan-calculator-debt-planner/id1059124601) | 4.6 (22,434) | Free | Finance | | [Loan Calculator - Loan2Me](https://appshunter.io/ios/app/loan-calculator-loan2me/id1442980816) | 4.8 (8,234) | Free | Finance | | [Debt Snowball - Payoff Planner](https://appshunter.io/ios/app/debt-snowball-payoff-planner/id1478622759) | 4.7 (1,321) | Free | Finance | | [Debt Payoff Box: Snowball Plan](https://appshunter.io/ios/app/debt-payoff-box-snowball-plan/id1240710873) | 4.5 (2,418) | Free | Finance | | [AES Student Loans](https://appshunter.io/ios/app/aes-student-loans/id1118003328) | 4.6 (16,178) | Free | Finance | ## More apps by Changed Inc. - [Debt Magic: Payoff Planner](https://appshunter.io/ios/app/debt-magic-payoff-planner/id6747996437) All apps by Changed Inc.: https://appshunter.io/developer/1164559382 ## Related topics [debt student](https://appshunter.io/ios/topics/debt-student) · [changed](https://appshunter.io/ios/topics/changed) · [changed app](https://appshunter.io/ios/topics/changed-app) · [debt tracking](https://appshunter.io/ios/topics/debt-tracking) · [financial planner debt](https://appshunter.io/ios/topics/financial-planner-debt) · [paymelater friend debt tracker](https://appshunter.io/ios/topics/paymelater-friend-debt-tracker) · [pay off debt faster](https://appshunter.io/ios/topics/pay-off-debt-faster) · [debt payoff](https://appshunter.io/ios/topics/debt-payoff) · [debt payoff assistant](https://appshunter.io/ios/topics/debt-payoff-assistant) · [clarity debt resolution](https://appshunter.io/ios/topics/clarity-debt-resolution) · [debt payoff planner plus](https://appshunter.io/ios/topics/debt-payoff-planner-plus) · [ditch debt](https://appshunter.io/ios/topics/ditch-debt) · [free debt payoff tracker](https://appshunter.io/ios/topics/free-debt-payoff-tracker) · [debt snowball calculator free](https://appshunter.io/ios/topics/debt-snowball-calculator-free) · [payoff](https://appshunter.io/ios/topics/payoff) · [zeroout debt planner](https://appshunter.io/ios/topics/zeroout-debt-planner) · [us debt now](https://appshunter.io/ios/topics/us-debt-now) · [paycheck debt planner](https://appshunter.io/ios/topics/paycheck-debt-planner) · [debt payoff pro](https://appshunter.io/ios/topics/debt-payoff-pro) · [credit card debt payoff](https://appshunter.io/ios/topics/credit-card-debt-payoff) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-28.*