Changed vs BracaBudget

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.

BracaBudget is a personal finance app built around the envelope budgeting method — the proven strategy of giving every dollar a job before you spend it. The core question BracaBudget answers every day: How much can I spend this week? HOW IT WORKS Set your monthly envelope — the total amount you plan to spend. Then assign fixed allocations to predictable expenses like rent, groceries, or transport. What's left becomes your discretionary pool, divided week by week into a simple, clear spending allowance. FEATURES WEEKLY SPENDING DASHBOARD One clear number every week. A visual progress bar shows how much of your allowance remains — green when you're doing well, orange as you approach the limit, red when you've gone over. TRANSACTION TRACKING Log expenses and income in seconds. Assign categories, add notes, and review your full history anytime. All data stays on your device. ALLOCATIONS Set weekly or monthly spending caps per category. Visual progress indicators alert you when you're getting close, so you never blow a budget line without knowing it. DUAL-CURRENCY SUPPORT Budget in one currency, spend in another. BracaBudget fetches live exchange rates and converts your envelope automatically — perfect for expats, cross-border workers, or anyone managing finances in two currencies. HOME SCREEN WIDGETS Add small, medium, or large widgets to see your remaining weekly allowance without opening the app. Your budget, always a glance away. SIRI & SHORTCUTS Log expenses hands-free using the "Add Expense" Siri Shortcut. Automate your financial routines with the Shortcuts app. SAVINGS HISTORY Review every past month at a glance. BracaBudget snapshots your monthly performance — including the exchange rate at the time — so historical data always reflects what actually happened. FLEXIBLE CALENDAR Start your week on Sunday or Monday. Set a custom month start date (1st–28th) to match your pay cycle instead of the calendar month. CATEGORY MANAGEMENT Use built-in categories or create your own with custom icons and colors. Separate expense and income categories keep your data clean. CSV IMPORT & EXPORT Back up your data or migrate it anytime. Full import and export support for transactions and allocations gives you complete control. PRIVACY FIRST BracaBudget is 100% local. Your financial data never leaves your device. No accounts required. No ads. No subscriptions. No tracking. Ever. BracaBudget is for anyone who wants clarity over their money without the complexity of a full financial suite — just a simple, honest answer to "what can I spend this week?"