# Upside: Turn Debt into Wealth — Build Wealth w/ Every Payment > Refinance loans to build wealth with every payment. (iPhone/iPad app by Indy Financial, Inc.) - Source: https://appshunter.io/ios/app/upside-turn-debt-into-wealth/id1583050417 (this page in markdown: same URL + `.md`) - Developer: [Indy Financial, Inc](https://appshunter.io/developer/1583050419) - Category: Finance - Price: Free - Rating: 3.00/5 from 2 App Store ratings · 1 written reviews indexed - Age rating: 4+ - Requires: iOS 13.4 · 41 MB - Languages: English - Released: 2022-08-07 - Data updated: 2026-06-10 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/upside-turn-debt-into-wealth/id1583050417/reviews.md ## What is Upside? BUILD WEALTH WITH EVERY LOAN PAYMENT - AUTOMATICALLY: Upside allows borrowers to refinance their loans for a better rate while simultaneously building wealth…all with one simple payment. NOT ENOUGH TO GO AROUND: Most people simply don’t have room in their budget to pay down debt and save for the future at the same time. Whether you’re trying to dig out of student debt, refinance credit cards to save money or simply get through an emergency through a personal loan, Upside can help you build wealth one payment at a time. SERIOUS WEALTH: Upside offers a more balanced approach to financial security. This is serious wealth. And it’s absolutely attainable. The key difference with Upside is the ability to invest in today rather than “down the road”. HOW WE DO IT: - BUILD WEALTH WITH EVERY LOAN PAYMENT: The magic happens by refinancing your loans, freeing up cash for investments, and then letting it grow. Pay off your loans and invest in your future at the same time. - SELF-COLLATERALIZING DEBT: Our underlying innovation is debt that "creates" its own collateral with every single payment. More collateral means less risk, so we can reward you with a lower interest rate. WITH UPSIDE, YOU’LL GET: - DASHBOARD: A single dashboard that shows progress on both your loan and your wealth - AUTOPAY: You can Autopay with one-click activation and simple one-time payments. Simply set it and forget it. - PAY EXTRA: Got a bonus? Have some extra cash. You can decide whether to put it 100% towards the loan or 100% towards your investments or maybe something in-between. It’s your future, you decide! - INVESTMENTS: Not only do you get portfolios designed by experts that adjust automatically as your money grows, but you can also select socially conscious portfolio options like climate change mitigation or animal welfare protection. - SECURITY AND PEACE OF MIND: Your peace of mind is our highest priority and we hold our security measures to the highest standards. We use 256-bit encryption and we DO NOT store any of your banking information on our servers or sell any of your information to third parties. SUPPORT: Please reach us in-app or email us at support@upsidefi.com if you have any questions, issues, or requests. We’re here to help! DISCLOSURES: We've partnered with Helium Advisors LLC, an SEC-registered investment adviser, to bring you investing features. All investment advisory services are provided by Helium. We receive compensation as a percentage of assets managed by Helium for promoting Helium’s investment advisory services. Our partnership with Helium gives us an incentive to refer you to Helium instead of another investment adviser that is not a partner of ours. This conflict of interest affects our ability to provide you with unbiased, objective information about the services of Helium. This could mean that the services of another investment adviser with whom we are not partnered may be more appropriate for you than those of Helium. Investing involves risk, including the possible loss of principal, and there is no assurance that the investment will provide positive performance over any period of time. Helium accounts are not bank guaranteed or FDIC insured. © 2023 Upside Financial, Inc. All rights reserved ## Key features - Refinance loans for better rates - Build wealth with every loan payment - Unified loan and investment dashboard - Automated loan and investment payments - Expert-designed investment portfolios - Socially conscious investment options ## Recent user reviews (1 of 1) All indexed reviews: https://appshunter.io/ios/app/upside-turn-debt-into-wealth/id1583050417/reviews.md ### 1/5 — Can’t even create an account *2023-09-05* Soon as you open the app it takes you to login screen and that’s it. You can’t create an account or anything ## Frequently asked questions about Upside ### What is Upside? Upside is a finance app that helps you build wealth by refinancing your loans to a better rate, allowing you to pay off debt and invest simultaneously. It offers features like automated payments and expert-designed investment portfolios. ### How does Upside help build wealth? Upside enables wealth building by refinancing your loans, which frees up cash for investments. This money then grows over time, allowing you to pay off debt and invest in your future concurrently. ### What kind of investments does Upside offer? Upside provides expert-designed investment portfolios that automatically adjust as your money grows. You can also select socially conscious options, such as those focused on climate change mitigation or animal welfare protection. ### Is my financial information secure with Upside? Yes, Upside prioritizes security with 256-bit encryption. They do not store your banking information on their servers or sell your data to third parties. ### What devices does Upside support? Upside is available on iPhone and iPod devices. It was last updated on May 7, 2024, with version 1.3.0. ### What is the user rating for Upside? Upside has a rating of 3.0 stars based on 2 ratings. The app is free to download and use. ### Does Upside have ads? No, Upside does not contain advertisements. It is a free application focused on providing financial services. ### How can I get support for Upside? You can reach out for support directly within the app or by emailing support@upsidefi.com for any questions, issues, or requests. ## Version history (last 5 releases) ### 1.3.0 — 2024-05-07 Prevent duplicate bank account configuration and improved account validation. ### 1.2.9 — 2024-04-11 Payoff and monthly statements are now available. ### 1.2.8 — 2024-03-26 Bug fixes and improvements ### 1.2.7 — 2024-03-01 Bug fixes and improvements. ### 1.2.6 — 2024-02-20 Improvements and bug fixes. ## Apps similar to Upside | App | Rating | Price | Category | | --- | --- | --- | --- | | [Debt Snowball - Payoff Planner](https://appshunter.io/ios/app/debt-snowball-payoff-planner/id1478622759) | 4.7 (1,015) | Free | Finance | | [Debt Payoff Planner & Tracker](https://appshunter.io/ios/app/debt-payoff-planner-and-tracker/id1009323715) | 4.7 (6,741) | Free | Finance | | [Loan Calculator - Loan2Me](https://appshunter.io/ios/app/loan-calculator-loan2me/id1442980816) | 4.8 (8,049) | Free | Finance | | [Refinance-Home Loan Calculator](https://appshunter.io/ios/app/refinance-home-loan-calculator/id1155084232) | 4.8 (52) | Free | Finance | | [Loan Calculator - Debt Planner](https://appshunter.io/ios/app/loan-calculator-debt-planner/id1059124601) | 4.6 (22,174) | Free | Finance | | [Debt Payoff Box: Snowball Plan](https://appshunter.io/ios/app/debt-payoff-box-snowball-plan/id1240710873) | 4.5 (2,346) | Free | Finance | --- *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 2026-06-10.*