Comparison

Changed vs Debt Guide

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Changed

This app helps you pay off debt faster by automating extra payments from everyday purchases and allowing you to track all your balances in one place. It supports various proven payoff strategies and calculates potential interest savings.

Highlights
  • Automated extra payments
  • Round up purchases
  • Track all debt types
  • Debt Snowball strategy
  • Debt Avalanche strategy
  • Interest savings calculator
Features
Read full description

Pay Off Debt Faster With Automatic Extra Payments Changed is a powerful debt payoff planner and debt tracker designed to help you reduce balances and become debt free faster. “If you have debt, you need this app.” - Mark Cuban, Changed Investor Turn spare change from everyday purchases into extra payments that accelerate your payoff plan and save on interest. AUTOMATE YOUR DEBT PAYOFF Changed makes it easy to make extra payments without changing your lifestyle. • Round Up Purchases - Automatically send spare change from everyday purchases toward your debt • Boost Payments - Add extra payments anytime to accelerate your payoff plan • Automated Transfers - Schedule recurring payments that fit your budget • Stay Consistent - Small extra payments can make a big impact over time Automation helps you stay on track and pay off debt faster. TRACK ALL YOUR DEBT IN ONE PLACE See all your balances in one place and monitor your progress as you work toward becoming debt free. Track and manage: • Credit card debt • Student loans • Auto loans • Medical debt • Personal loans • Mortgages • Tax debt • Other balances See everything in one place and stay focused on your goal of becoming debt free. PROVEN STRATEGIES TO PAY OFF DEBT Changed supports the most popular debt payoff strategies used by financial experts. Choose the approach that works best for you: • Debt Snowball - Pay off smaller balances first to build momentum • Debt Avalanche - Focus on high-interest debt to save more money • Extra Payments - Add additional payments anytime to reduce balances faster • Custom Plans - Build your own personalized payoff strategy A clear plan helps you stay motivated and consistent. SEE HOW MUCH INTEREST YOU CAN SAVE Use the built-in debt calculator to understand the impact of extra payments. • Estimate your payoff timeline • See how much interest you can reduce • Compare payoff strategies • Track progress toward becoming debt free Watching your balances shrink helps keep you motivated. THE CHANGED EFFECT Changed members are currently tracking over $6 billion in debt and have already saved $43 million in interest, with $383 million in potential savings identified across the community. Thousands of members use Changed to pay down debt faster, reduce interest, and build healthier financial habits. START YOUR DEBT-FREE JOURNEY Paying off debt doesn't have to feel overwhelming. Changed makes it simple to create a plan, automate extra payments, and track your progress toward financial freedom. Download Changed today and start paying off debt faster.

About

Debt Guide

Manage and track multiple debts with a personalized repayment plan. Utilize proven strategies like Snowball and Avalanche to pay off loans and credit cards faster. Visualize your progress with charts and receive payment reminders to stay on track.

Highlights
  • Personalized debt repayment plans
  • Snowball and Avalanche payoff methods
  • Track multiple loans and credit cards
  • Payment reminders and alerts
  • Interactive progress charts and graphs
  • Ad-free experience
Features
Read full description

Take Control of Your Finances with Debt Guide – The Ultimate Debt Payoff Planner & Tracker Are you struggling with multiple debts and looking for a way to become debt-free faster? Debt Guide is your all-in-one solution to manage, track, and pay off debts efficiently. Whether it’s credit cards, student loans, car loans, or personal loans, Debt Guide helps you create a customized debt repayment plan using proven payoff strategies like the Snowball and Avalanche methods. Debt can feel overwhelming, but with the right plan and tools, financial freedom is within your reach. Debt Guide simplifies debt management by providing easy-to-use features, insightful analytics, and structured repayment strategies tailored to your financial situation. With its intuitive interface, you can track progress, visualize payments, and stay motivated on your journey to becoming debt-free. Key Features: Debt Payoff Planner: Create a personalized repayment plan that suits your financial situation. Choose from Debt Snowball (smallest balance first) or Debt Avalanche (highest interest first) methods to pay off debts efficiently. Track Multiple Debts: Manage all your loans, credit cards, and other debts in one place. Add details like balances, interest rates, and due dates for a clear financial overview. Payment Reminders: Never miss a due date! Get timely alerts so you can avoid late fees and keep your credit score healthy. Smart Payment Insights: Understand how much interest you’re paying and identify ways to save money with smarter repayment decisions. Customizable Payment Plans: Adjust your monthly payments to see how different strategies impact your debt-free timeline. Experiment with extra payments and see how much faster you can eliminate your debt. Interactive Charts & Graphs: Visualize your progress with insightful graphs that show your total debt reduction over time. Stay motivated as you see your debt shrinking! Debt Payoff Calculator: Use the built-in calculator to determine how long it will take to become debt-free based on your current payments. Ad-Free Experience: Enjoy a seamless, distraction-free app experience with no annoying ads. How Debt Guide Helps You Achieve Financial Freedom Step 1: Add Your DebtsInput details for each debt, including balance, interest rate, and minimum payment. Step 2: Choose a Payoff StrategySelect the Snowball or Avalanche method based on your preference. Step 3: Track Your ProgressMonitor your repayment journey with detailed charts and reports. Step 4: Stay Consistent with RemindersReceive payment alerts to avoid missed deadlines and late fees. Step 5: Adjust Your Plan as NeededExperiment with different payment amounts to optimize your debt payoff timeline. Don’t let debt control your life. Download Debt Guide now and take the first step towards financial freedom. With our powerful tools and simple interface, you’ll be on the fast track to eliminating debt and achieving peace of mind. Privacy Policy: https://hussainmustafa.com/privacy-policy-debt-guide/ Support: https://hussainmustafa.com/debt-guide-support/ Terms Of Service: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

Changed4 screens
Debt Guide4 screens

Verdict

The call

The clearest difference is in-app purchases: Changed at none against Debt Guide's 4. Changed also leads on update cadence (every 5 days vs every 3 months) and ratings volume (5.6K vs 49). Debt Guide's advantage is ads (none vs shown) and review sentiment (58% vs 41%). On price, monetization model and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Debt Guide sells 4 in-app purchases, starting at $9.99 per month. Changed asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Debt Guide holds the better App Store score, 4.8 against 4.6. That said, the two scores are not equally well evidenced: Changed has 5.6K ratings behind it against 49, so its average is the more settled of the two. Written reviews point the same way: 41% of Changed's written reviews are positive against 58% of Debt Guide's.

UpkeepUpdate frequency

Changed ships an update every 5 days, Debt Guide every 3 months. The most recent releases landed on September 23, 2026 and September 21, 2026 respectively.

Scorecard7 real differences · 3 level
Changed versus Debt Guide: the parameters behind the verdict, then further details
ParameterChangedDebt Guide
PriceFreeFree
Rating4.6 (5.6K ratings)4.8 (49 ratings) — better
Positive reviews41.2% of reviews58.3% of reviews — better
Number of ratings5.6K — better49
Update frequencyEvery 5 days — betterEvery 3 months
AdsYesNo — better
In-app purchasesNo — betterYes
MonetizationFree with in-app purchasesFreemium
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS17.615.0 — better
Further details — not scored
Size162 MB98 MB
Age rating4++4
DeveloperChanged Inc.Hussain Mustafa

Customer experience

Changed

All ratings5,567 ratings
Positive89.6%
Neutral2.5%
Negative7.9%
Written reviews301 reviews
Positive41.2%
Neutral4.0%
Negative54.8%

Debt Guide

All ratings49 ratings
Positive93.9%
Neutral4.1%
Negative2.0%
Written reviews12 reviews
Positive58.3%
Neutral33.3%
Negative8.3%

Bugs and requests

Changed

Reported bugs

5 issues
  • App freezing or crashing
  • Incorrect loan balance tracking
  • Payments not showing up on loan accounts
  • Withdrawal/refund issues
  • Syncing problems with bank/loan accounts

Requested features

5 requests
  • More customization options
  • Faster payment processing
  • Ability to manage multiple loans
  • Mobile app improvements
  • Better communication with users

Debt Guide

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Changed

No in-app purchases

4 purchases

Debt Guide

Subscriptions3
  • Premium Monthly$9.991 Month
  • Premium Yearly7 Days trial$39.991 Year
  • Premium Yearly$39.991 Year
One-time1
  • Premium Lifetime$79.99

Questions

Is Changed free?
Changed is free to download, with no in-app purchases.
Is Debt Guide free?
Debt Guide is free to download, with in-app purchases available.
Which has better reviews, Changed or Debt Guide?
Debt Guide is rated higher. Changed averages 4.6 out of 5 from 5.6K ratings, while Debt Guide averages 4.8 from 49 ratings.
Do Changed or Debt Guide have ads?
Changed shows ads; Debt Guide does not.
Which is updated more often, Changed or Debt Guide?
Changed ships an update every 5 days, and Debt Guide every 3 months. Most recently, Changed was updated on September 23, 2026 and Debt Guide on September 21, 2026.

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