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Ditch: Pay Off Debt Faster

Ditch: Pay Off Debt Faster

Automate Payoff & Track Debt

3.3K ratings
96 reviews
With Ads#16 in top-grossing Finance
💪 Health & Fitness
💰 Finance
Free
In-App PurchasesWith Ads

Details

  • Released
  • Updated
  • September 14, 2023
  • October 5, 2026

Developer

Ditch Technologies
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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

1.6.1

October 5, 2026

Bug fixes, and other UI changes.

17

Subscriptions & In-App Purchases

Ditch: 12 Months

Access to Ditch

$44.991 Year
How to cancel Ditch subscription ⁉️

Charts

Top Grossing

📊 16

Finance

The app has maintained its position at 16 recently.

Last updated on October 13, 2026.

Top Free

📈 149+2

Finance

This app rose +2 positions in Finance chart.

Last updated on October 13, 2026.

User reviews

Most RecentHighest RatedLowest Rated

I 💚 Ditch

This app is great. I’ve paid off almost $4k towards my debt through micropayments without even realizing it!! Super user-friendly interface. Love that I can really customize my goals so easily too.
Hannah ArakelianHannah Arakelian

I want to love this app, but…

This app would be amazing and well worth the yearly subscription cost except it also charges a dollar for a processing fee every time you send a payoff to your bills. The best option in the app is to send a low set dollar amount to your highest APR bill in order to pay it down but then it costs you an extra $5 to $20 a month depending how often you’re sending payments. That’s an additional $240 a year. While I would love to have everything set up automatically and use this app, I’m not willing to fork out additional hundreds of dollars on top of the yearly subscription.
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Vampirewarrior66Vampirewarrior66

Makes you do a 5 star to continue

You gotta pay btw
MimiarroyoMimiarroyo

The app wants you to leave a review before it’ll let you actually use it which is hilarious.

That’s all
RocknRollMcDonaldRocknRollMcDonald

Savings account

If the money goes towards a savings account this app would be perfect and I’ll def subscribe, I already know so many ppl that would love this feature!!
CutestarxCutestarx
See 91 more reviews

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.