Ditch: Pay Off Debt Faster

Ditch: Pay Off Debt Faster

Automate Payoff & Track Debt

1.4K ratings
65 reviews
With Ads#21 in top-grossing Finance
💪 Health & Fitness
💰 Finance
Free
In-App PurchasesWith Ads

Details

  • Released
  • Updated
  • September 14, 2023
  • July 13, 2026
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About

Effortlessly pay down debt with automated roundups from your purchases. Track all your loans, gain personalized insights from an AI assistant, and discover debt-friendly budgeting strategies to reach your financial goals faster.

Automated purchase roundups to debt
Smart debt tracking and progress visualization
AI financial assistant for insights
Debt-friendly budgeting tools
Personalized recommendations
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What's New in Ditch

1.5.4

July 13, 2026

Bug fixes, and other UI changes.

Subscription plans

Ditch: 12 Months

Access to Ditch

$44.991 Year
How to cancel Ditch subscription ⁉️

Charts

Top Grossing

📈 21+1

Finance

This app rose +1 position in Finance chart.

Last updated on July 22, 2026.

User reviews

One request

Love this app and have been making big progress with my credit cards so far. I have a savings account open with my credit card issuer and would love to see an option where I can put my spare change from my purchases into the savings account instead of just paying down my debt. Then this app would be perfect.
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Incorrect balances

Ditch is pulling in incorrect numbers from my bank, for example, it is says I owe $9999 to 2 credit cards which is inaccurate. I also have not been able to successfully connect Target Red Card account.

Great Idea, Terrible Customer Support

Extremely disappointed with the support experience. Our American Express account was suspended after payments processed through Ditch triggered compliance issues with Amex, and we urgently needed documentation explaining how the payment system works. We’ve tried calling, leaving voicemails, and sending messages through the app, but have received no response at all.

For a financial app handling people’s bank accounts and credit card payments, responsive customer support is not optional. Right now we’re facing potential permanent account suspension with Amex and can’t even get a basic explanation letter from Ditch.

The app concept is good, but the lack of communication and support when something goes wrong is honestly unacceptable.
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Response from developer

Hi Matt, thank you for sharing this. This is definitely not the experience we want for anyone using Ditch. We're sorry that we let you down, and we're committed to making it right. Please reply to our email so we can get you the support you need? — The Ditch Team

Paid off my credit card

I have been working on paying off a stubborn credit card for two years and Ditch helped me make $2k in extra payments AND see where I was wasting money each month

the best app

I’ve been using ditch for only a few months and have paid off $600 of my debt which doesn’t sound like a like compared to how much debt I’m in but it’s saved me so much on interest! highly recommend!!

FAQ

What does Ditch do?

Ditch helps you pay off debt faster by automating the process. It uses features like purchase roundups, where spare change from your transactions is sent directly to your loans. The app also provides smart debt tracking, AI-powered financial insights, and debt-friendly budgeting tools to help you manage your finances and reach your debt-free goals.

How does Ditch automate debt payoff?

Ditch automates debt payoff primarily through its 'Roundups to Debt' feature. This function rounds up your purchases to the nearest dollar and sends the difference directly towards your outstanding loans. You can also add extra boosts to amplify your impact, and the app handles these automated payoffs in the background while you continue your daily life.

Is Ditch free to use?

The app offers a free one-week trial. After the trial period, the monetization model is 'free with in-app purchases,' suggesting that core functionalities might be free, with optional premium features or services available for purchase.

What kind of debt can I track with Ditch?

The app is designed to help users pay off various types of debt. Popular use cases mentioned include automating payments for student loans and tracking and paying down credit card debt effortlessly. It aims to provide a centralized place to see all your loans and progress.

How does the AI Financial Assistant work?

The AI Financial Assistant provides tailored insights and answers to your questions about debt, spending, and budgeting. It's designed to offer personalized guidance, helping you understand your financial situation better and find effective strategies to save money and accelerate your debt payoff journey.