Changed vs Payoff Planner

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.

Know exactly how much extra you can safely put toward debt from each paycheck, after your bills, minimums and the money you live on. Payoff Planner builds your payoff plan around your real pay schedule. Add your income, bills and debts once. Every pay period it shows the safe extra amount, which debt to pay first, and your debt-free date. HOW IT WORKS • Bills and minimums come first, then your living money and a cash cushion • What's left goes to debt, in the order you choose • Log payments as you go and watch your debt-free date move closer PAYOFF STRATEGIES Snowball, avalanche, hybrid, highest balance, debt-to-interest ratio, Score Sprint (credit score first), or your own custom order. FEATURES • Paycheck plans for weekly, every-two-weeks, twice-a-month or monthly pay • Your debt-free date, and the interest you save compared with paying only minimums • Credit cards, car loans, personal and medical debt, mortgages (with escrow) and student loans (with paused payments) • Statement-close timing to lower credit card utilization • Bill reminders and payday nudges • Amounts in your own currency • Free manual backup and restore PAYOFF PLANNER PRO (ONE-TIME PURCHASE) • Full payoff schedule: every month to debt-free, per debt, as a printable PDF • Daily automatic backups, saved to iCloud Drive when it's on • Scenario Lab for what-if changes • Full Score Boost, 6- and 12-month Roadmap, all-time progress and CSV export • No ads PRIVATE BY DESIGN No bank linking and no account. Your debts and budget stay on your iPhone, and in your own iCloud Drive if you use backups. The free version shows ads. Payoff Planner shows estimates based on what you enter. It isn't financial advice. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://chadpickard.app/privacy-policy.html#debt-payoff-sprint