Ditch: Pay Off Debt Faster

Ditch: Pay Off Debt Faster

Automate Payoff & Track Debt

4.2K ratings
100 reviews
With Ads#15 in top-grossing Finance
💪 Health & Fitness
💰 Finance
Free
In-App PurchasesWith Ads

Details

Released
September 14, 2023
Updated
October 27, 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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+1

What's New in Ditch

1.6.4

October 27, 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

📈 15+2

Finance

This app rose +2 positions in Finance chart.

Last updated on November 2, 2026.

User reviews

BAIT AND SWITCH

EDIT: there are even more hidden charges on top of them charging a subscription 😂 this app is hot garbage

app will make it seem like this is something revolutionary. It’s not. You can’t even access the home page without signing up for a subscription. THIS APP IS NOT HERE TO HELP YOU SAVE MONEY. IT IS HERE TO TAKE YOUR MONEY AND DATA. Extremely deceptive. It would be one thing if they told you before sign up that it is subscription only. It seems like DITCH is here to farm data and the service is secondary. After putting in all my personal information I was told I can’t access the app without making a payment. FYI adding a subscription is Counter intuitive to paying off debt. Especially at these prices.
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Debt beater

I just downloaded this app today so check back in a month and I will tell u how much I have saved and paid out.

Excited to start

I hope to be out of Debt soon thank you

80 dollars a year

To save you time cause they make you sign up before telling you the price

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.

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.