Ditch: Pay Off Debt Faster

Automate Payoff & Track Debt

Ditch your debt with automated payoffs and smart planning tools, all in one powerful app.

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 Privacy Policy and terms of service at Terms of Service.

User Reviews:

Highlights for this app:

  • Easy user interface (I didn’t need a training manual to figure it out!).
  • Quick connections to external accounts (not just credit cards but student and personal loans too).
  • I love that I can ask the chat feature questions and it will give me personalized answers based on my own debt and previous spending.

Review Examples:

  1. I absolutely love the Ditch app. It has turned paying off my debt into something that actually feels fun, almost like a game.
  2. This app has been super helpful in actually helping me pay down debts! I’m thankful I stumbled across the TikTok for this app!
  3. By spending money that I normally spend, it will round up my purchases until a certain amount. I’m making extra payments towards my debt without even realizing it!

What’s New

  • Bug fixes and other UI changes.