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Debbie - Payoff, Save, Earn

Debbie - Payoff, Save, Earn

Cashback for good money habits

12K ratings
1196 reviews
📚 Education
💰 Finance
Free

Details

  • Released
  • Updated
  • January 17, 2023
  • July 8, 2026

Features

Developer

Debbie Inc.
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❓5 answered
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📦~ in 3 weeks
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About

Earn cash rewards for achieving financial goals like paying off debt and building savings. Understand your money mindset through personalized challenges and courses to build wealth and stay debt-free.

✓Cashback rewards for financial goals
✓Personalized payment and savings goals
✓Weekly financial challenges
✓Money psychology courses
✓Debt payoff and savings tracking
✓Access to lower interest rates
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What users say

Summarized from real user reviews of Debbie. Based on 12K reviews and a 4.9/5 average, it highlights the 7 positives and 5 negatives reviewers mention most about this Finance app.

Positive things

  • 💰Earn money for paying off debt
  • 📚Helpful financial education modules
  • 🎮Gamified approach to money management
  • 👍Easy to use and intuitive interface
  • 🤝Great customer support
  • 🤑Able to cash out rewards
  • 🚀Quick and easy to get started

Negative things

  • 🔒Requires linking to specific credit union
  • ⏱️Long wait to cash out rewards
  • 🐛Connectivity issues with linked accounts
  • 💸Difficult to reach cash out threshold
  • 🤔Confusing or unclear features
See all reviews

What's New in Debbie

2.6.33

July 8, 2026

Debbie did some heavy lifting to tidy things up. We squashed some bugs, smoothed out rough spots, and made everything run better behind the scenes. As always, thanks for being part of the Debbie fam! For more updates, follow us on Instagram, TikTok, and Facebook @debbierewards.

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User reviews

Most RecentHighest RatedLowest Rated

Debbie!

What a great app!! I just started this app this week and I have to say I can tell it’s going to make a difference in my life already❤️✨ you definitely need Debbie in your life!
The Orginal SydQueenThe Orginal SydQueen

Good app

This app is good for financing
Noneofyourbixwax988Noneofyourbixwax988

Great App

I love the new changes to the app. Makes it easier to view where you are financially and give you tips for improvement!
TwinDubbTwinDubb

Good BUT

I never received my bonus for referring a friend.
DNS Error 403DNS Error 403

So far so good!

I love the bite-size pieces and not having to spend too much time every day focused on finances Debbie is not all consuming, which is great!
doormatjdoormatj
See 1191 more reviews

User experience

🐞

Reported Bugs

4 issues

Login/verification codes not working

Bug

Modules freezing or not loading properly

Bug

Inconsistent update of progress and rewards

Bug

Inability to delete account or change phone number

Bug
✨

Requested Features

5 requests

Allow linking to any bank account

Feature

Smaller cash out thresholds

Feature

More personalized budgeting tools

Feature

Ability to manually add accounts

Feature

Faster account syncing

Feature

FAQ

What does Debbie do?

Debbie is a personal finance app that rewards users with cash for achieving financial goals such as paying off credit card balances, building savings, and reducing debt. It also offers courses to help users understand their money psychology and improve their financial habits.

How does Debbie help me save money?

Debbie helps you save money by incentivizing positive financial behaviors and providing tools to stay on track with your financial freedom journey. It also aims to reduce the interest burden on your current debts by helping you find lower interest rates through its banking partners.

How much does Debbie cost?

Debbie is currently 100% free for users. The app is sponsored by partner financial institutions, primarily not-for-profit credit unions. While you can use Debbie for free without setting up new accounts, you will need to open a free checking or savings account with your matched sponsor to redeem your rewards.

What are the key features of Debbie?

Key features include personalized monthly goals for credit card payments and savings (Streaks), weekly financial challenges (Quick Wins), and courses on money psychology (Pathway). Users earn cash rewards for completing these tasks and reaching milestones.

How do I get started with Debbie?

To get started, download the app and complete an onboarding quiz to personalize your experience. You'll then accept a sponsor partner, connect your debt and savings accounts via Plaid for progress tracking, and begin your courses to learn about your money mindset and achieve your goals.