# Debbie - Payoff, Save, Earn — Cashback for good money habits > Earn cashback rewards for positive financial habits and debt payoff. (iPhone/iPad app by Debbie Inc..) - Source: https://appshunter.io/ios/app/debbie-payoff-save-earn/id1603676425 (this page in markdown: same URL + `.md`) - Developer: [Debbie Inc.](https://appshunter.io/developer/1603676427) - Category: Finance, Education - Price: Free - Rating: 4.89/5 from 12,420 App Store ratings · 1,411 written reviews indexed - Age rating: 4+ - Requires: iOS 15.1 · 95 MB - Languages: English - Released: 2023-01-17 - Data updated: 2026-08-27 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/debbie-payoff-save-earn/id1603676425/reviews.md ## What is Debbie? Reach your money goals and earn rewards. Debbie is the first money app that rewards you for paying off credit card balances, building savings, reducing debt, and improving your financial habits. Track your money, stay on budget, and earn rewards as you make progress toward financial freedom. At the core of Debbie is a psychology-based money program designed to help you understand your relationship with money, build better habits, track your financial progress, and earn rewards for reaching important milestones. Whether you’re focused on paying off debt, growing savings, improving your credit score, or managing bills, Debbie helps keep you motivated every step of the way. FEATURES Earn Cash Rewards Get rewarded for completing money challenges, paying down debt, building savings, and reaching financial goals. Track Your Money Progress Connect your accounts to track savings, debt balances, credit card payments, and financial milestones in one place. Stay on Top of Bills Build healthy habits around paying bills on time, managing debt, and staying consistent with your financial goals. Personalized Money Goals Set and complete personalized savings, debt payoff, and budgeting goals based on your unique financial situation. Quick Wins Complete simple money challenges, like checking your account balance, reviewing your budget, or monitoring your credit score. Pathway Take short personal finance courses designed to help you understand your money mindset, spending habits, and long-term financial behavior. The app is 100% free and sponsored by our partner financial institutions, primarily community-based credit unions committed to helping people improve their financial lives. HOW IT WORKS Download Debbie and complete your onboarding quiz We’ll learn about your financial goals, money habits, debt, savings, and spending patterns to personalize your experience. Accept your sponsor partner Debbie is free thanks to our sponsor partners. You’ll have the option to open a free checking or savings account, though you can begin using Debbie without opening a new account. Connect your accounts Securely connect your credit cards, loans, savings accounts, and other financial accounts to track progress toward your money goals. All data is encrypted and never sold. Start your personalized money program Learn practical personal finance skills, improve your money mindset, and build habits that support long-term financial success. Reach your goals and earn rewards Complete savings goals, debt payoff goals, budgeting challenges, and educational activities to earn points and celebrate your financial progress. Unlock lower rates and refinancing opportunities* As you progress through Debbie, gain access to tools that may help you reduce interest costs and save money on debt. FREQUENTLY ASKED QUESTIONS How much does Debbie cost? Debbie is completely free. How does Debbie make money? Our financial institution partners sponsor the platform and may compensate us when users choose products that fit their financial needs. How can Debbie help me save money? Debbie helps you build better financial habits, stay on budget, pay bills on time, reduce debt, increase savings, and avoid costly financial mistakes. Does Debbie really work? Debbie users pay off debt faster, save more money, and stay more engaged with their financial goals compared to typical consumers. Do you have a referral program? Yes. Eligible users can earn rewards for referring friends. Terms and conditions apply. DISCLOSURES Not a guarantee of approval. Debbie does not directly extend credit. Credit checks will not impact your credit score. Terms and conditions apply. ## Key features - 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 ## Chart rankings - #159 in Top Free · Finance (US App Store) ## What do users think of Debbie? Overall sentiment: positive **Pros** - 💰 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 **Cons** - 🔒 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 **Commonly reported bugs** - Login/verification codes not working - Modules freezing or not loading properly - Inconsistent update of progress and rewards - Inability to delete account or change phone number **Most requested features** - Allow linking to any bank account - Smaller cash out thresholds - More personalized budgeting tools - Ability to manually add accounts - Faster account syncing ## Recent user reviews (10 of 1,411) All indexed reviews: https://appshunter.io/ios/app/debbie-payoff-save-earn/id1603676425/reviews.md ### 4/5 — Debbie *2026-08-25, version 2.6.33* Good ### 5/5 — Great *2026-08-25, version 2.6.33* Nice app ### 5/5 — Easy and fun *2026-08-25, version 2.6.33* Great app easy to use! ### 5/5 — amazing! *2026-08-25, version 2.6.33* Love the learning experience as well as the UX of the app. Should be great for kids or teens starting to learn about money, but also anyone! ### 5/5 — Love Debbie *2026-08-25, version 2.6.33* Amazing product. It moves money to savings that I don’t even. Notice! ### 5/5 — 🤘 *2026-08-25, version 2.6.33* Good app ### 5/5 — Love it *2026-08-25, version 2.6.33* 9.9 ### 5/5 — Exceptional *2026-08-24, version 2.6.33* Very helpful and educational ### 4/5 — Seems good *2026-08-24, version 2.6.33* Seems like a good way to earn some extra cash ### 5/5 — Comprehensive way to track growth *2026-08-24, version 2.6.33* Loving the platform so far. ## Frequently asked questions about Debbie ### 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. ## Version history (last 5 releases) ### 2.6.33 — 2026-07-08 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. ### 2.6.30 — 2026-05-07 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. ### 2.6.25 — 2026-03-31 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. ### 2.6.23 — 2026-03-15 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. ### 2.6.22 — 2026-02-19 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. ## Apps similar to Debbie | App | Rating | Price | Category | | --- | --- | --- | --- | | [OneBlinc Cash Advance](https://appshunter.io/ios/app/oneblinc-cash-advance/id1593417965) | 4.8 (13,742) | Free | Finance | | [Gauss: Payoff Credit Card Debt](https://appshunter.io/ios/app/gauss-payoff-credit-card-debt/id6445810443) | 4.9 (3,748) | Free | Finance | | [Brigit: Cash Advance & Credit](https://appshunter.io/ios/app/brigit-cash-advance-and-credit/id1341884073) | 4.8 (551,600) | Free | Finance | | [Bright: Loans & Credit Builder](https://appshunter.io/ios/app/bright-loans-and-credit-builder/id1511043796) | 4.8 (258,075) | Free | Finance | | [Arro: Build & Grow Credit](https://appshunter.io/ios/app/arro-build-and-grow-credit/id6449683788) | 4.6 (1,698) | Free | Finance | | [Lenme: Borrowing and Lending](https://appshunter.io/ios/app/lenme-borrowing-and-lending/id1409169287) | 4.5 (84,471) | Free | Finance | ## Related topics [debbie](https://appshunter.io/ios/topics/debbie) · [debbie rewards](https://appshunter.io/ios/topics/debbie-rewards) · [free savings goal](https://appshunter.io/ios/topics/free-savings-goal) · [saving money free](https://appshunter.io/ios/topics/saving-money-free) --- *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 2026-08-27.*