# Ditch: Pay Off Debt Faster — Automate Payoff & Track Debt > Automate debt payoff with purchase roundups and AI-powered financial guidance. (iPhone/iPad app by Ditch Technologies.) - Source: https://appshunter.io/ios/app/ditch-pay-off-debt-faster/id6466198208 (this page in markdown: same URL + `.md`) - Developer: [Ditch Technologies](https://appshunter.io/developer/1637767530) - Category: Finance, Health & Fitness - Price: Free with in-app purchases - Rating: 4.80/5 from 2,183 App Store ratings · 76 written reviews indexed - Age rating: 17+ - Requires: iOS 15.0 · 69 MB - Languages: American English - Released: 2023-09-14 - Data updated: 2026-08-30 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/ditch-pay-off-debt-faster/id6466198208/reviews.md ## What is Ditch? Debt sucks, but paying it off doesn't have to. With Ditch, every purchase you make brings you closer to debt-free. No stress, no spreadsheets, and no overthinking. Just effortless Payoffs that chip away at your debt while you live your life. Ready to take control of your financial future with Ditch? Try Ditch free for one week. Here’s how Ditch makes debt-free living possible: - Roundups to Debt: Send roundups from your purchases directly to your loans. Every spare cent counts! Add a boost to amplify your impact and watch as automated Payoffs chip away at your debt in the background. - Smart Debt Tracking: See all your loans and progress in one place. Track balances and payments, and get personalized recommendations. - AI Financial Assistant: Get tailored insights and answers about debt, spending, and budgeting whenever you need them. - Debt-Friendly Budgeting: Learn where your money is going, and find easy ways to save and pay off debt faster. - Secure & Private: Your data belongs to you, always. Delete anytime with no strings attached. Why Ditch? Debt doesn’t have to define you. Let Ditch turn small steps into big results, bringing your debt-free future closer with every transaction. Popular Use Cases: - Automate spare change to pay off student loans. - Track and pay down credit card debt effortlessly. - Plan for a debt-free life with easy budgeting and smart AI tools. - Start your debt payoff journey today—download Ditch and take control of your finances. Privacy & Terms Your security matters. Access our privacy policy at https://ditch.io/privacypolicy and terms of service at https://ditch.io/termsofservice. By downloading this app, you agree to Apple's standard Terms of Use, which you can find here: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ You can find our privacy policy at: https://ditch.io/privacypolicy And our terms of service at: https://ditch.io/termsofservice By downloading this app, you agree to Apple's standard Terms of Use, which you can find here: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ ## Key features - Automated purchase roundups to debt - Smart debt tracking and progress visualization - AI financial assistant for insights - Debt-friendly budgeting tools - Personalized recommendations ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Ditch: 12 Months | $44.99 | per year | | Ditch: 6 Months | $29.99 | per 6 months | | Ditch: Monthly | $5.99 | per month | | Ditch | $8.99 | per month | | Ditch | $89.99 | per year | | Ditch | $8.99 | per month | | Ditch | $89.99 | per year | | Ditch | $5.99 | per month | | Ditch | $49.99 | per year | | Ditch | $12.99 | per month | | Ditch | $89.99 | per year | | Ditch | $12.99 | per month | | Ditch | $79.99 | per year | ## Chart rankings - #22 in Top Grossing · Finance (US App Store) ## Recent user reviews (10 of 76) All indexed reviews: https://appshunter.io/ios/app/ditch-pay-off-debt-faster/id6466198208/reviews.md ### 5/5 — Ditch makes Deb payoff enjoyable *2026-08-16* I’m actually really surprised at how much I love this app. It does everything I’ve been wanting to do to really tackle my debt and get a hold of us spending and finances and budgeting. I am obsessed. The fact that I can actually make money in the app to pay off debt is the biggest added bonus I could ever imagine. Automating everything is a gift and a blessing and I just can’t stop talking about this app. ### 1/5 — Good app but transaction fees kill it *2026-07-31, version 1.5.5* The app is well designed and works well but charging a monthly/annual fee to use + $1 charge on every transfer for standard bill pay transaction is a little wild. Should be one or the other not both ### 1/5 — Slow *2026-07-29, version 1.5.5* The app is a great idea in theory. It is so slow to transfer to your debt account that it would be better to calculate it myself and pay it myself without fees and pay less interest and fees doing it myself. ### 1/5 — Beta phase? *2026-07-28, version 1.5.5* It does not allow me to crest an account. Just see the demo ### 3/5 — Too good to be true *2026-07-25, version 1.5.5* Sadly twice now the card I’ve been focusing on was flagged for suspicious activity and I’ve needed to get 2 new cards within 2 months. I wish that didn’t happen I really loved paying off extra debt. ### 3/5 — Just okay *2026-07-24* As many have pointed out, now I’m paying ditch and my credit cards. I don’t like how slow the process is of moving money from ditch to the account being paid off. Also, for the first week free, they only offer one ditch payment based on your spending, then they don’t process anymore until after they charge you the subscription. Sketchy move. I’ll use it for a year then see what I think. **Developer response:** Hi DBNishi! We're working on making payments even faster - would love to hear any other feedback you have (reach out anytime to help@ditch.com!). There's no restriction on how many payments can move within your first week, it just depends on Round Ups timing and you can always make one-time payments. :) ### 5/5 — Love it! *2026-07-10, version 1.5.3* It’s been so easy to use and I love seeing the progress in real time! ### 5/5 — Amazing app *2026-07-07, version 1.5.3* This is such a helpful app. Highly recommend! ### 1/5 — Hidden fees *2026-07-07* App sets up by default to calculate what you spend and takes your spare change rounded to next dollar and adda it to a “bank” hold on the ditch account. Once this reaches a 20$ threshold it takes the cash from your payment account to pay off your debt account. What they don’t tell you is they charge a convenience fee on every single transaction with a 1$ minimum. So every time it moves 20$ it charges you 1$ … so roughly 5% fee to operate. I cancelled as soon as i saw this because i had not seen anything about that charge anywhere … plus this is a subscription app to begin with. Pretty shady business practice **Developer response:** Hi thefulcan, we hear you. We try hard to ensure cost doesn't get in the way of paying off debt, and we're always looking for better ways to do that. The per-payment fee is disclosed pre-authorization, and only applies when we're actually moving your money. Reach out to us at help@ditch.com with any other feedback or questions you have. We appreciate you giving Ditch a shot, and hope you'll consider us again down the line. ### 5/5 — Money Management *2026-06-30, version 1.5.3* So far I have enjoyed it app. Very user friendly and makes it easy to see where your money is actually going. ## Frequently asked questions about Ditch ### 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. ## Version history (last 5 releases) ### 1.5.6 — 2026-08-24 Bug fixes, and other UI changes. ### 1.5.5 — 2026-07-23 Bug fixes, and other UI changes. ### 1.5.4 — 2026-07-13 Bug fixes, and other UI changes. ### 1.5.3 — 2026-06-26 Bug fixes, and other UI changes. ### 1.5.2 — 2026-06-11 Bug fixes, and other UI changes. ## Apps similar to Ditch | App | Rating | Price | Category | | --- | --- | --- | --- | | [Emma - Budget Planner Tracker](https://appshunter.io/ios/app/emma-budget-planner-tracker/id1270062373) | 4.7 (1,403) | Free | Finance | | [Buddy: Budget Planner App](https://appshunter.io/ios/app/buddy-budget-planner-app/id936422955) | 4.7 (9,413) | Free | Finance | | [Debt Payoff Planner & Tracker](https://appshunter.io/ios/app/debt-payoff-planner-and-tracker/id1009323715) | 4.7 (7,221) | Free | Finance | | [Relief: Get out of debt](https://appshunter.io/ios/app/relief-get-out-of-debt/id6450720364) | 4.6 (2,484) | Free | Finance | | [Gauss: Payoff Credit Card Debt](https://appshunter.io/ios/app/gauss-payoff-credit-card-debt/id6445810443) | 4.9 (3,748) | Free | Finance | | [Budget Bestie](https://appshunter.io/ios/app/budget-bestie/id6460258044) | 4.7 (3,098) | Free | Finance | ## Related topics [ditch](https://appshunter.io/ios/topics/ditch) · [ditch debt](https://appshunter.io/ios/topics/ditch-debt) · [pay off debt faster](https://appshunter.io/ios/topics/pay-off-debt-faster) · [debt payoff](https://appshunter.io/ios/topics/debt-payoff) · [payoff](https://appshunter.io/ios/topics/payoff) · [debt payoff tracker](https://appshunter.io/ios/topics/debt-payoff-tracker) · [debt payoff assistant](https://appshunter.io/ios/topics/debt-payoff-assistant) · [pay off debt tracker](https://appshunter.io/ios/topics/pay-off-debt-tracker) · [debt relief karma](https://appshunter.io/ios/topics/debt-relief-karma) · [free debt payoff tracker](https://appshunter.io/ios/topics/free-debt-payoff-tracker) · [payoff track](https://appshunter.io/ios/topics/payoff-track) · [debt payoff calculator](https://appshunter.io/ios/topics/debt-payoff-calculator) · [zeroout debt planner](https://appshunter.io/ios/topics/zeroout-debt-planner) --- *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 2026-08-30.*